Paying mortgage and some house running costs

[Teslaedison]

Hello, I'm am looking for some advice.

My partner is a farmer. He pays £3000 a month on a loan which pays for the land and the farm house. His stbxw and the children still live in the farm house.

The stbxw does not pay anything towards the mortgage. He pays the electricity bill, water, and house/contents insurance. He pays £400 a month plus extras towards his three children,

Stbxw wants £13,200 in maintenance per annum. His approx earnings are £80,000.

Have I missed something? Please help me understand.

Sorry for not responding as been on 12 hour shift and sleeping

Partner earns £80,000 a year. Minus £3,000 a month in loans for the farm (£36,000) which leaves £44,000 a year. This is all before tax.

STBXW wants £13,200 in maintenance. She does not contribute to the loan. She does not pay: water, electricity or any insurance.

I am not having a 'pop' at the STBXW. I am very conscious from being on MN that it is important the children are adequately supported. I would also like to think that I could nudge him in the right direction if needed.

I would appreciate some guidance and wisdom of how to deal with it.

Do you understand how tax works? The £36k comes out of his net pay, not his gross pay, so there is nothing line £44k left.

Google "tax calculator" and it will tell you his probable net. He can't afford the loan, another house and the maintenance. One has to go. And it can't be the maintenance.

It's not really clear what you are asking.

It sounds like they need to go to financial mediation. He needs to look at what he can do to get rid of the loan without losing his job.

I don't understand though why the farm loan doesn't come from farm income, a farm is a business. Maybe he hasn't been clear with you?

You can use the online CSA calculator to see how much he "should" be paying in maints. That works on his pay and won't take into account what he pays out on loans or anything else (except pension, I think it is net of pension contributions).

I got £482 pw based on a very rough input for him.

I would say the maintenance she is asking for seems reasonable, but I'm not sure she should be getting this on top of effectively having her rent and bills paid? Is there someway of breaking down the loan /mortgage to work out what the farmhouse proportion is and deducting this from the maintenence? I'm not sure if that's the right answer or not.

If the loan is for business then this would be coming out of the business not his income. And as a legit business expense then this is treated differently than a private expense.
If the utilities are mainly used for the business and a small proportion is used for the house, no wonder she doesn't want to pay.

If you want advice - he needs to get some legal advice and they could do with some financial mediation.

Yes, he hasn't explained to you about the division of business and personal income/expenses.
He better gets that clarified or you will be left in the dark.

Tell him to go and see a lawyer and a financial advisor and keep out if it

Honestly, if this goes to court, a judge is not going to be in the slightest bit interested in what a bunch of anonymous mumsnetters think. Or you for that matter.

Hopefully the lawyer will be able to arrange so that matters are resolved via mediation. Bit, again, our views are of no interest to the mediator.

DB pays just over £13k a year for 3 kids on a similar income, but no spousal maintenance. She did get 85% of the proceeds of the marital home.

However the loan is odd. Is it a mortgage? Seems huge given his income. Doesn't quite add up.

The maintenance sounds reasonable, but that should be all he has to pay for. To pay that, all her bills and mortgage is unreasonable and he can not afford it. He could charge her rent on the house.

He will have no money left to live on.

I'm keeping well out of it. It is none of my business. I do appreciate that people have commented though.