Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Partner wants big new house

72 replies

applesapplesapples · 18/09/2021 11:47

I met my OH 3 years ago when he was just getting divorced from his wife of 20+ years. He’s been living in my 2 bed terrace, having had to sell a large detached property he’d renovated himself. He’s suggested I sell and we pool our money to buy a 3 bed detached house. Sounds good right?

My slight concerns are and maybe this is just me, but the house he likes is in the same village he used to live in (his sister lives there and some of his old friends) and the plans he’s had drawn up are for a massive extension costed at around £100k that to me look like a replica of his old house.

His kids are all grown up and I don’t have any so I don’t see any need to spend huge amount of money on turning a large 3 bed suburban house into an even bigger 4 bed, with, obvs, the modern massive lounge, giant kitchen with island and ridiculous vaulted ceilings.

The mortgage repayments and bills will leave us with almost no disposable income.

My sense is he wants to recreate his old house and life/status but at the expense of us having a life. We’ve looked at other houses in the area but feel like he’s just giving me lip service so our house search looks fair. He’s already talked about flipping the house after a few years to downsize and gets very grumpy when I suggest more modest properties. I’m worried we’ll be stuck in an expensive overly-large house we can barely afford.

OP posts:
Ourlady · 18/09/2021 15:10

Getting grumpy because he's not getting his own way. That would do it for me, no way would I be getting myself into that.

candycane222 · 18/09/2021 16:24

You are allowed to say no, you know.

SummerintheCity2021 · 18/09/2021 16:31

How old are you both? Is it the right time of life to renovate a house for just the two of you with no children at home? I don’t think it’s a great idea, not least because it’s not what you want.

Don’t even contemplate it.

Zenithbear · 18/09/2021 16:38

Yanbu
When DP and I met we downsized from a 5 bed and a 3 bed and bought a large 2 bed between us. It meant that we could invest what was left and are retiring early with lots of disposable income.
Sounds like your DP wants a house to 'impress'

Outfoxedbyrabbits · 18/09/2021 16:46

What financial contribution is he making to the household currently? Does he pay you any rent, pay towards bills?

Kuachui · 18/09/2021 16:46

I wouldn't be risking losing my house to get one with him if you want to split up then it gets awkward. I would stay in my own house and make him put his money from his house into his own savings.

applesapplesapples · 26/09/2021 10:12

Thanks for your replies.

No progress really. He’s still wanging on about how we can flip the house for £750k in three years ffs. Not really getting my point as to why we spend so much time and money just to sell after the work would be completed.

OP posts:
AttaGirrrrl · 26/09/2021 10:18

If he wants to renovate a house and flip it, he can.

You meanwhile, should stay put in your house and keep your money safe.

Don’t let him push you into this. That’s not a partnership, that’s bullying.

WTF475878237NC · 26/09/2021 10:18

I agree with everyone else. Just tell him no this isn't something you want to do. You have no need for a big house leaving you with less disposable income. You have no interest in property development and don't want to make money from it.

spotcheck · 26/09/2021 10:27

There's bigger issues here.

Is he normally prudent with money?

How soon after breaking up with his wife did he move in with you?

I would never, ever jeopardise my security for a man. No matter how much I trusted him.

Also, it doesn't even seem sensible😂

ElizabethTudor · 26/09/2021 10:30

It would be a no from me.
If he wants to embark on a project, to flip. Let him. Stay out of it, and do not risk your money/ assets.

Leftphalange · 26/09/2021 10:31

Absolutely do not give up your home and financial security.

If he wants to flip houses, he can do this himself on smaller properties.

Sounds like he wants to live out with his means and is using you to help finance it. Or you both just have totally different priorities when it comes to money, some people like all their money in brick and others like you and I prefer to have a smaller property and income to enjoy things.

I'm a big fan of trusting your gut which is what you need to do here.

Rainbowqueeen · 26/09/2021 10:34

I would not do this.

toobusytothink · 26/09/2021 10:39

Agree with pp. Keep your place and let him buy his own place. Keep finances seperate so you retain yours and he can do what he likes with his - whether that be re to g it out, renovating and flipping, living in by himself …. But don’t sell your place and pool money. Just no need

WouldBeGood · 26/09/2021 10:45

Just say no. If he wants to do that he can crack on, but don’t risk your financial security for something you don’t even want.

Just stop discussing it, viewings, plans and just say you’ve made your decision and that’s an end of it. And make sure your finances are separate and protected.

Opentooffers · 26/09/2021 10:47

A slight flaw in that plan. Wage rises and rising inflation are going to be causing an increase in interest rates over the next few years I'm told, so while the housing market is currently very boyant, they could well drop or become static in the next 5 years. Has he considered this? Sounds like he has enough money to buy and extend a semi to start with, which would be fine to do, and his risk to take. By involving you, he's jumping to big dreams, when he should work up to them on his own as they are not your dreams, but his alone.

Shelby2010 · 26/09/2021 10:58

Sounds like he moved straight out of the marital home & into yours? Does he have enough money to buy a house himself? Don’t get sucked in to this!

candycane222 · 26/09/2021 11:06

Yes OpentoOffers has a point - I saw a headline somewhere 'why the era of cheap money is coming to an end' or similar. But even if it was quite likely to work out as he hopes, that is absolutely no reason for you to feel he has any right to drag you in. I can't see anything in it except disruption and anxiety for you.

It may be that if you don't 'give him what he wants' them he will be unable to let go of his resentment. However that is too bad. If he resents you for not sacrificing your security and financial peace of mind for his whims, hes a misguided, and possibly sexist , dick.

timeisnotaline · 26/09/2021 11:13

You don’t have to hammer out the discussions endlessly and try to get him to agree. You can simply say no I don’t want to do that. I don’t want to spend more than £x, I don’t want to embark on a big renovation, I’m not sure I want to live in that village at all, I don’t want to go through buying something else we only plan to sell within 10 years, and I really don’t want to buy anything with someone who thinks I’m just a bankbook and none of my opinions about what I actually want from a house or how much I want to spend count.

PennyPooBags · 26/09/2021 11:29

Let me guess he needs the equity in your house to cover the deposit and stamp duty and you to pay the mortgage on this bigger house while he does the flipping.

I would let him fund all the flipping on a house he totally pays for himself, while you stay in your house that is all yours!

junebirthdaygirl · 26/09/2021 11:50

Trying to recreate a home you already had and liked is understandable. I have tried to do that when l moved. BUT getting into a financial stressful situation is not the answer. Be very clear in your own mind that you are not doing it. If he sees the slightest doubt in you he will be in for the kill. Sounds like you should stay in your own house where you are financially safe and secure..
Just get one sentence like
No l am not prepared to struggle financially
And keep saying it. Trust yourself.

Ilady · 26/09/2021 11:51

He is offering you nothing here. It all about what he wants. Meanwhile if you do this your living in a big house that you can only afford due to selling your current house. Your paying a big mortgage so you have no extra money to afford a few extras like holidays, putting money into savings or putting extra into your pension pot. Then he told you if you and him live their a few years you and him can flip this house for a big sum of money.

Why would you give up your house and your long term financial security for a man your not even married to?
If he wants to buy property to flip let him do this with his own money. I would keep my finances totally separate to his. I would also get some legal advice re him living in your house. He could be possibly paying towards the bills and your mortgage. If you split up that he may have a legal claim on your house or expect money off you.

Wombat96 · 26/09/2021 12:00

Wants a project for whatever reason.

Living in a building site is awful. Even when it's done, a big house needs a lot of cleaning.

Nope, let him jog on. Let him finance it, stay in your manageable, clean, affordable house. I say that as someone who makes money out of property and lives in a project!

Gerwurtztraminer · 26/09/2021 12:02

@timeisnotaline

You don’t have to hammer out the discussions endlessly and try to get him to agree. You can simply say no I don’t want to do that. I don’t want to spend more than £x, I don’t want to embark on a big renovation, I’m not sure I want to live in that village at all, I don’t want to go through buying something else we only plan to sell within 10 years, and I really don’t want to buy anything with someone who thinks I’m just a bankbook and none of my opinions about what I actually want from a house or how much I want to spend count.
Totally agree, Say all that. Your priorities are very different on this. Don't give in as it will make you unhappy.

Then next time he starts 'wanging on' calmly say "I've told you my opinion in this and it won't change, so I'm not discussing this any more". Change subject, or walk away if he won't take no fo an answer.

Trust your instincts and don't give in, no matter how much he badgers or gets grumpy. It's financially high risk, especially for you, and all for something you don't want. It will lead to a deterioration in your quality of life (because flash house doesn't make up for no discretionary income for fun and a comfortable lifestyle). There is no way I could take such a risk, for any man, even if it meant the relationship ended.

CuriousaboutSamphire · 26/09/2021 12:09

Currently you have your own home that you can afford and live in quite happily.

In 3 years time, if you go with his suggestion, you will have nothing that is yours, will have lived in a building site and will be dependent on him actually selling the new house and moving into something you like, can afford, want.

So he gets a partner who can help him with his house flipping ideas.

You get to go along with his ideas regardless of your own.

He is robbing you of agency about your own home, life, money.

Why would you give up all of that?

If he doesn't get it, won't listen, then you haven't got a new life partner. You've got a domineering man whose life aims don't match yours.

Pop him out of your door and date him from further afield, if at all.

Swipe left for the next trending thread