You're not a risk-taker are you ? I'm assuming your caution is based on the fact that you are planning to make a sizeable investment, and is therefore understandable. The family scenario you outline is similar to mine, but I'm not really going to change my life wants, or lose sleep, over a net investment of under £25,000. In your situation, if the primary desire was to move to France, I'd split the finances into two, and buy two houses, one each. One to live in, one to rent out. Inhertitance, spousal security, investment and, most importantly, karma dealt with at a stroke, without being scared off by the law.