Help end medical misogyny. Sign our petition.

Help end medical misogyny.
Sign our petition.

Sign the petition

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

7 year relationship, multiple children, bought house together, not yet proposed

121 replies

echohawk294 · 22/02/2026 20:52

I’ve been with my partner for 7 years and we have young children. I have never been that bothered about getting married and was clear on this in the first few years of our relationship but said I would be happy to. My partner said he was keen to get married in the future.

A couple of years ago I was fortunate enough to receive a large sum of money that took me over the inheritance tax threshold. I said to my partner that I’d like to have a civil partnership or get married so that if I were to die, my assets would go to him tax free and our children wouldn’t lose out on a large sum of money due to an inheritance tax bill (which will only get higher when pensions are brought into the estate next year). I gave him the figures and he agreed that this was sensible but said that he wanted to do it in summer rather than winter. I was clear that I’m not bothered about a ring or a large celebration - signing the papers in a registry office with our children and parents present and then a lunch out would suit me.

A couple of years have passed and we’re still not married or in a civil partnership. We have recently bought a house together, which we hope is our forever home. I own a significantly higher percentage of the house than him. We both have relatively well paying jobs. I have always earned more than him but he has a better pension. I have recently gone freelance and so my income is more unstable but I have the potential to earn a lot more than him if things go well.

We have had a stressful couple of years for various reasons and we argue quite regularly. My partner is a great dad, he’s kind and patient, does lots around the house and tries his best to give me some time to myself. However, I still feel like I hold the majority of the mental load, project manage our household and am the driving force behind most of the changes and organisation in our family and relationship, which frustrates me. I feel like I’m a nag and I hate that. I am type A and my partner is much more laid back. He says that he feels like my standards and expectations are too high and that I can be rude to him when I’m stressed. We have done some relationship counselling to try and overcome this, all organised by me. When I stopped organising, he didn’t mention doing any more sessions.

I worry about the consequences of not being married or in a civil partnership every day and I’ve told my partner this. I really don’t want to organise the registry office because I feel like I organise everything and I’m now the one pushing to have a legal partnership. I essentially don’t want to coerce someone into getting married, I want him to really want to do it. The emotional part of me gets jealous of other couples’ romantic proposals but my head tells me that him sending me an email booking confirmation from the registry office would be good enough. When I ask my partner why he hasn’t sorted it yet, he says that we argue too much currently so it’s not the right time or he hasn’t got round to it yet but it’ll happen sometime. I agree that ideally we’d argue less but we’re not always arguing and I also feel like having multiple children and a house together is just as much of a commitment as having a legal partnership and we should do it asap for tax reasons. He says that we shouldn’t get married just for tax reasons and that I’m not going to die anytime soon. I know that I’m unlikely to die soon but anyone can die anytime and so I think it’s better to be prepared before it’s too late. I just can’t understand how my partner isn’t worried about the financial consequences for our children if it were to happen before we’re in a legal partnership.

I can’t see any financial downsides for my partner to marry me because I have more assets and earn more. When we discuss it, I often tell my partner that him not legally committing makes me feel like he doesn’t love me enough and I’m insecure that childbirth has made him not fancy me anymore. I’ve also said when upset that a small part of me sometimes worries that he has used me to get the children and house he always wanted (although I don’t honestly believe he’s the kind of person who’d do this). His response is always that I’m ridiculous or spiralling and that he does love me and wants to marry me someday.

Before children, we both did far more romantic gestures for each other and it’s not something I ever worried about. When I ask him to be more romantic now, he says he’ll try but he’s emotionally and physically exhausted. I feel the same but he somehow manages to muster the energy to play sport on some evenings after the children are in bed, which I’m way too tired to do (despite really missing all the exercise I used to do pre-children). I am really happy for him to play sport and have time away from the family but I wish he’d also put a bit more time into making me feel like he loves me. I feel like I put all of my small amount of energy (after looking after our children and work) into life admin and managing our household which involves reminding him to allocate quality time with me and trying to organise things for us to do together.

I’m now not really sure where this leaves us. There’s only so many times I can mention that I want to get married or have a civil partnership and whenever we have the conversation, I get upset. I’ve also tried just not mentioning it for a while but nothing changes and I still think about it all the time. l can’t help but feel like my partner just doesn’t want to commit to me but when I tell him this, he says he’s already committed and I’m being ridiculous. What should I do?

OP posts:
echohawk294 · 22/02/2026 22:11

@Reggiebo thanks. Yes I saw some of that. To be honest, Martin Lewis is one of the biggest proponents of getting married for the inheritance tax benefits!

OP posts:
WeAreNumpties · 22/02/2026 22:17

This is crackers. He doesn't want to marry you and it's not in your financial interests to marry him anyway. I think, deep down, you know he is stalling. It's hurtful and you deserve better. Financially, you are better off not gifting him half of your inheritance, which is what could happen if you divorce! Please speak to an accountant about safeguarding your children's inheritance.

echohawk294 · 22/02/2026 22:17

@KeepOffTheQuinoa I would put my part of the house in a life interest trust in my will so any future wife wouldn’t get it and it would go to my children when my partner dies. If I died, my partner would get my allowance which doubles the threshold for when my partner dies. It’s the main tax advantage of being married

OP posts:
Goonyoucanaskme · 22/02/2026 22:18

echohawk294 · 22/02/2026 21:12

@toodleoothento be honest, the financial advice is that the best thing to do is get married! Yes, it probably is something that’s on my to do list. However, there’s also the emotional element that I’ve been with him for a long time and had children with him and the fact he always said he wanted to get married but hasn’t yet got round to it doesn’t make me feel great

OP, are you sure this is what you want? Suppose you die young, your husband would inherit tax free (good), but he might easily marry again, possibly have more children and leave some or all of the money you left him to his new family (not what you want).
If you want to be sure your kids will inherit, it might be safer to leave some or all of your money directly to them, in trust if they are still minors, and just accept that there will be inheritance tax to pay.
ETA Sorry, some recent posts have popped up and I see that you have already thought of this. Still, I wouldn't push to marry him unless he becomes far more keen to marry you. At the moment he's avoiding it, by the sound of what you say.

echohawk294 · 22/02/2026 22:21

@Goonyoucanaskme there are ways to get around the issue with re-marrying with for example a life interest trust. I’ve considered this scenario

OP posts:
WeAreNumpties · 22/02/2026 22:21

What about if you don't die (young) but you divorce and he walks off with half of the assets?

echohawk294 · 22/02/2026 22:23

@WeAreNumpties we can cover that with a prenup

OP posts:
WeAreNumpties · 22/02/2026 22:26

Pre-nups aren't legally binding.

WorkingItOutAsIGo · 22/02/2026 22:32

Your analysis is completely wrong. There are no financial benefits to you or your children of marrying this man. Stay single and leave your assets to your children.

I don't think it sounds like your relationship is going to last and you would lose a lot in a divorce that you couldn't then hand over to your children.

And try and find some space for love and fun with your partner. It might be saveable. You sound obsessed with IHT and that is not a reason to get married.

PersephoneSmith · 22/02/2026 22:34

He’s waiting for ‘the one’ to come along OP
It’s not you…

echohawk294 · 22/02/2026 22:36

@WeAreNumpties they’re not but if both parties have separate impartial legal advice, the courts follow them

OP posts:
NaiceBalonz · 22/02/2026 23:03

If he wanted to, he would. He's giving you his answer, you're just not listening.

WeAreNumpties · 22/02/2026 23:04

echohawk294 · 22/02/2026 22:36

@WeAreNumpties they’re not but if both parties have separate impartial legal advice, the courts follow them

Not always, in my experience. It's just not a risk I would take. I'm not trying to be harsh here, I just don't want you to make a mistake. I wouldn't marry this man. Apart from the fact there is a financial risk to you and your children, you don't want to cajole someone into marrying you for financial reasons, you want them to want to walk over hot coals to have the honour of marrying you.

AndresyFiorella · 22/02/2026 23:13

To put it bluntly, you are a lot more likely to get divorced than to die young (which is a good thing!). Given that, you shouldn't marry him.

LucyLoo1972 · 23/02/2026 02:17

Coconutter24 · 22/02/2026 21:13

I can see why he’s not keen to get married to you. You haven’t said once it’s because you love him you’ve only mentioned money. I also wouldn’t want to marry someone that I’m always arguing with

she did say above that she loves him

BeeHive909 · 23/02/2026 02:21

he doesn’t want to marry you and I think you need to accept it. And frankly if someone said to me that marriage was the best way to protect money for the kids I’d say no too. Marriage is about love

KeepOffTheQuinoa · 23/02/2026 05:39

echohawk294 · 22/02/2026 22:17

@KeepOffTheQuinoa I would put my part of the house in a life interest trust in my will so any future wife wouldn’t get it and it would go to my children when my partner dies. If I died, my partner would get my allowance which doubles the threshold for when my partner dies. It’s the main tax advantage of being married

Yes but then your DH has a combined IHT allowance for combined assets, so if his savings, pension and shared house are also more than the IHT threshold the kids are in the same position.

If he has much less then it works .

But the main advantage of marriage is that it protects the spouse from having to potentially sell the house to cover IHT.

For the Dc it just pushes the IHT bill down the road to the death of the second spouse./ parent.

Also: look into detail about the impact of a life interest. It always seemed like the perfect solution , but I read a thread recently where there was an unexpected tax liability for either the recipient of the trust or the ultimate beneficiary. I wish I had remembered the detail.

MissingSockDetective · 23/02/2026 05:51

I think you are focusing on the wrong things. You can just write your will in such a way that your children are protected and you only pay inheritance tax on the proportion that goes over the threshold anyway. There will still be plenty for them to inherit by the sounds of it. However, if you marry him and it goes wrong there may well be a good chunk less. It doesn’t sound particularly brilliant at the moment so you really need to have a think about whether this is the path you want.

category12 · 23/02/2026 05:55

Maybe he resents you in some way and this is one thing he can withhold, one power over you.

PersephonePomegranate · 23/02/2026 06:00

Write a will and invest heavily into your pension with the money.

You're the one with the financial safety here - you've offered him marriage to secure to provide him with security and he hasn't taken you up on it. That's on him!

CarlaLemarchant · 23/02/2026 06:09

Honestly it sounds like you’re cross with him that he won’t do as he’s told, ignoring that he has an actual choice in this decision (which he is very passively making).

You need to reflect on this.

Also, IF you do die prematurely, chances are it will be from illness rather than anything sudden and you can always financially plan and marry in the months leading to your death if needs be (awful topic sorry).

Sandysandytoes · 23/02/2026 06:26

What everyone else has said - it’s not in your or your children’s interests to marry him!

HoppityBun · 23/02/2026 06:31

BeeHive909 · 23/02/2026 02:21

he doesn’t want to marry you and I think you need to accept it. And frankly if someone said to me that marriage was the best way to protect money for the kids I’d say no too. Marriage is about love

You’d say no because you don’t want to protect your kids? Your future?

Relationships are usually about love.

Marriage is contract. Marrying or not marrying is, either way, a decision about money and about protecting the future of the people involved, including children.

It was created as an arrangement between two men: the groom, or the groom’s father, and the bride’s father.

There’s enough on here about what happens when relationships unravel for there to be no excuse about making agreements about finances before merging them.

It’s all very well talking about creating trusts, but who will be the trustees? Who will make the yearly decisions about investment? Who will sort out the admin?

Coconutter24 · 23/02/2026 06:37

LucyLoo1972 · 23/02/2026 02:17

she did say above that she loves him

I know, we’ve already been over that. Although tbf it took until the second post to mention it

MyNextDoorNeighbourVotesReform · 23/02/2026 06:38

Regardless of the tax benefits, your partner DOES NOT WANT TO MARRY YOU

Rather than banging on about prenups and IHT, try to find out WHY HE DOES NOT WANT TO MARRY YOU

HTH

Swipe left for the next trending thread