Husband £45,000 annual salary civil servant so will be 50% of final salary pension due at age 62. Born 1966
Me £70,000 also civil servant so 50% pension at age 62 born 1968
Own house £450,000 with a £256,000 mortgage also own a flat worth £250,000 with no mortgage. Both properties in joint names.
Also have a flat in Bulgaria but is negative equity in joint names, has a mortgage around £40,000 but only worth £30,000