Ok thanks for the extra info.
If you and your wife separate, the two of you can agree whatever you want about how the assets should be divided between the two of you – but if you can't agree, or you want your agreement made into a legally binding agreement, then you will to apply to the family court for a court order (which can be a court order by consent withoiut actually having to go to court if you have reached agreement). The family court can only make an order if a divorce petition has been filed at court.
Going to court is stressful, time-consuming and expensive, so if you can reach a settlement, that is much preferable – but it must be negotiated according to the same principles that a court would decide the issues, or you risk the agreement being overturned at a later date. That means that both of you must give the other full details of all your financial circumstances.
The court starts from the position that the matrimonial assets should be divided 50:50 – then looks as reasons why that should not be the case. The matrimonial assets are everything in your name, everything in her name, and everything you own jointly. Pension entitlements count as matrimoinal assets.
If one person has a significantly lower income than the other, and/or is providing a home for dependent children, they can argue for a larger than 50% share if the assets eg 60%,65% or 70% but rarely more than that.
There can also be an argument about whether or not an asset is a matrimonial asset eg if someone inherits property or money, and these have not been used for the benefit of the household - such as money being kept in a separate account and not used at all for household expenses , or a property that was not lived in as the family home. This is what your wife might claim, and if the court agrees with her, then you will not get a share of the monies or property that she has inherited.
But you should get at least 50% if not more of the property that you lived in together, regardless of whose name it is in now, as the court has the power to change ownership of property, if the court deems that would be the appropriate way to resolve the matrimonial dispute. If the house is in your sole name already and is worth a lot less than the house she has inherited plus the money she has inherited, you might be able to argue that she should not be able to make any claim against the house at all – but the court considers the value of ALL the assets added together (your and hers) and decides on a fair division of all, rather than just considering one house on its own.
You can negotiate either between the two of you, or via solicitors' correspondence or via mediation. The family court anyway now requires the parties to have attempted mediation before it will consider an application to court. Here's where to find a local family mediation service:-
I think you would benefit from some face-to-face legal advice – here's where to find a specialist family law solicitor:-
But the first stage is to file your divorce petition at court.
I hope this helps and I wish you the best of luck.
Thanks and best wishes...