Hi Thank you for your question.
My name is Clare
I will do my best to help you but I need some further information first.
How much is the house worth and how much is outstanding on the mortgage?
How long have you lived together and how old are the children?
What income do you each have?
How much is outstanding on the mortgage
How much did you borrow - do you remember?
Are there any other savings or assets
Do you want to stay in the house/
the priority for the court is the safe and secure housing of the children until they are 18
so there is little doubt that you will indeed be able to stay in the property
he will have to pay child maintenance at roughly 16% of his gross income (possibly a little less)
you are also eligible for spouse maintenance because of the substantial difference in your incomes.
although you may decide to trade this in order to keep the house even after your children are 18
You should offer to discuss this with your ex using Family mediation (www.familymediationhelpline.co.uk)
I hope that this is of assistance - please ask if you need further details
You are financially entitled to claim spouse maintenance
Spouse maintenance is needs based - and lasts as long as the court orders - generally until your remarriage or cohabitation or until you obtain a well paying job
However if you wish to avoid having to sell the property when your youngest is 18 and dividing the proceeds with your ex then you may decide to give up your claim for spouse maintenance on return for the house being totally yours
that depends on what you agree
most people prefer to have the maintenance and then pay the bills from it
others prefer to have the spouse pay the mortgage and pay less maintenance
You can negotiate with your ex using Family Mediation (www.familymediationhelpline.co.uk)
to reach agreement
has he left the property?
How much is the mortgage payment and how much is he offering as child maintenance
that is not a bad offer - but neither i sit generous.
his CSA assessment would be £690
I suggest you agree to him paying the mortgage plus that.
This would be a fair division for now
point out to him that Mediation is a great deal cheaper than a court application
well if not then your only option is a court application
In the meantime you can check your benefit eligibility here
depends on your local mediator - your share will be covered by legal aid