Mother-in-law Suggests Apartment Swap—with a Catch: Transfer Ownership to Her

Mark’s mother suggested we swap flats—but on one condition: I had to sign mine over to her.

I don’t know how other women feel, but I do know this—I won’t gamble with what’s rightfully mine. Especially when it comes to property. *Especially* when it involves my husband’s family, where every “good intention” has always hidden something shady beneath.

Mark’s family is, to put it mildly, complicated. His younger brother has spent years in prison. What for? Take a guess. He was always the reckless type, dragging people into dodgy schemes, taking “responsibility” only to shift the blame later. In the end, he paid the price. And his mother, my mother-in-law, would always sigh and say, “Oh, he’s just a lad…”

When Mark and I got married, we didn’t have many options for where to live—so we moved into my place. I wasn’t forcing it; it was just practical. A one-bedroom flat left to me by my nan—cosy, bright, with high ceilings. Plenty of space for the two of us. Mark was tidy, domesticated. Even in those first months, he never left the bathroom floor wet and washed his own socks.

Three years passed. Then—our daughter was born. A quiet, sweet little girl named Emily. I’d braced for sleepless nights, tantrums, exhaustion. But Emily? She was an angel. Calm, gentle. Everything with her was easy.

Mark turned out to be a good dad. Sure, I wished he earned more, but who doesn’t? We managed. His mother, though—once she became a grandmother, she bloomed. Gifts at the door, calls ten times a day. So attentive, especially to me. At first, I thought she just wanted to be close to her granddaughter. But then I realised—she had a plan.

A simple one. She offered to swap—we’d take her two-bedroom flat, and she, the “poor old granny,” would move into ours. More space for the baby, she said. Easier for us, help right on hand.

On paper, it sounded perfect. But there was a catch. She insisted we make it official—with paperwork. I’d have to sign my flat over to her. And the two-bedroom? That would stay in Mark’s name. *Only* his.

At first, I didn’t see the trap. Then I sat down, thought it through—and it chilled me. If we divorced, I’d be left with nothing. My flat? Hers. The one we’d live in? His. All perfectly legal.

Was it cunning or just foresight? Either way, she wouldn’t budge. Pressured, guilted, used every argument. Even claimed that if I refused, I must be planning to leave him. And if I was planning it, I never loved him.

Mark listened. He was torn. He saw the risk, but—well, his mother wouldn’t steer him wrong, would she? We had a long talk. I told him, “You’re my husband, Emily’s father. I trust *you*. But her? No. I can’t. Something feels wrong.”

He said I was overcomplicating it. That I needed to be flexible, that it was just paperwork. That nothing would change. But I know how these things go. Today it’s “nothing,” tomorrow it’s “we’re strangers.” And I’d be left with nothing but a child to raise.

I offered a compromise—swap without deeds, without transfers. Live as a family, no legal traps. But she refused. Flat-out said, “I don’t trust you. What if you split—then half *my* flat goes to you?”

There it was. She was guarding hers but demanding mine.

Now, every day is pressure. Mark grumbles, says he’s tired of the fights. His mother calls, needles, wears me down—all under the guise of kindness. And here I sit, in my little flat, watching Emily sleep, wondering—am I a bad mother for not handing everything over to them?

I don’t know what to do. I don’t *want* a divorce. But I won’t give up my home either. I’m exhausted. It’s not greed—it’s fear. Fear of being left with nothing if it all falls apart. And God knows I’ve seen enough of that.

What would you do in my place?

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Mother-in-law Suggests Apartment Swap—with a Catch: Transfer Ownership to Her