Wwyd? House dilemma

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toffeeyummy

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So I keep my horses on my fil farm. There's two houses, one he lives in and one that we rent out. We live (my husband and I) in a house about two miles away that is provided by my husbands employment. So, no mortgage.
However, I really want to move to the farm and have the horses outside my back door. Husband doesn't as it means we would have to pay the mortgage/rent on the farmhouse (it was recently renovated so loan needs paying back). It would also mean massively down sizing too.
Wwyd?
 
Mmmmm as nice would be to have horses outside in grand scale 2 miles aint far (lol try 45 miles each way :) ). Me i would stay put and save :) but hey all dream oflooking out our window and seeing our babies :) x
 
I know it seems mad.... But oh how I'd love to look out the window at them! And its hard getting up to the farm with kids etc etc. any takers to say yes go for it, live your dream, life's too short (they were the answers I was kind of hoping for :) )
 
I would look at buying a place to let out and hope the rent would cover most of the mortgage so I had a property in hand if OH's employment & the house with it ceased for any reason.
 
I would ask whether your husband would get the extra pay instead of the free accommodation. If not and if you can afford it I would keep the free accommodation on and put the 'rent' you may have been paying into a savings account. Its tempting to be close to the horses but whilst you dont have to pay for the roof I'd make the most if it and the extra space xx
 
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I'd go for living at the farm as you get on with your FIL. Your current house you say is dependent on your husband's employment. Dodgy! I'd move to the farm, see your horses from the back door etc, be comfort and support for the old gentleman and, when the time comes to take over the farm, you'll already be in situ. so one less thing to worry about. We've always lived (not by choice) hundreds of miles from both our families, and I would love an opportunity like you have.
 
My heart would want to be where the horses are. But my head would say, sit down with you O H, make a list of 'for' and 'against' each house. You need to find a way you are both content to live with what the decision or plan is.

Presumably you will need to move back and provide help and support for your FIL as he gets older, the timing for your children as they become teenagers will matter as well.

Just to say I grew up keeping our ponies on DIY grass livery, and the joy of having them outside our home is something I appreciate every day. I keep peeping out and looking at them in the field and that is after 27 years in our own cottage with land!
 
I'd also want to live on the farm! Would it mean massively downsizing? I think it's good not to have all your eggs in one basket and having my husbands employers owning my house would make me nervous. If you will eventually have the farm anyway then I say go for it! Life's too short!
 
Thanks everyone. It's definitely a heart over head dilemma. I know the sensible thing would be to stay put and save money but I can't help thinking we'll regret not moving there while the children are still young. They both ride and have ponies but going to the farm involves packing up the car with tack, dogs, food etc and it would be so much easier just to 'gooutside'. My husband well he's busy with harvest at the mo so I think I'll wait til after that to sit him down!
We live in a beautiful house with a huge garden and I feel like I'm being unappreciative not wanting it. It's certainly a case of having lots but not having much iykwim.
 
mmmm...it's a tough one isn't it and i can so see why you'd want to be on the farm from the horses and children point of view.

But the thing is, at present you know you're not laying out any rent for your living accommodation and i'd presume that the loan/rent on the other house on the farm will be a decent chunk of money per month for X amount of years (until the loan is paid off).

I think you're wise leaving 'the talk with your OH' til he's got the harvest in so he can hopefully give you his full attention on the matter in hand.

I guess he'll see the rent on the house at the farm as money that doesn't need to be spent at the moment, as you've already got a roof over your head that comes with his job.

Are there any plans for the house on the farm??, i.e. will it be adverstised soon for rent? If so, i guess a decision will have to be made sooner rather than later if it's what you want in terms of being on the doorstep for your horses and having the children growing up on the farm.

Oh decisions decisions...talking will obviously sort this one out eventually i guess, but i can see why you want to move to the farm! But i can also see your OH's side of things from a financial point of view too!

One question, is your FIL a fit and healthy man for his years? Would you be his carer in the future if you were to move to the farm? Would you be OK with this? Just a thought.
 
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