We lived together for about 2 years, married in February 2014, bought the joint house in May 2014.
My properties have a combined value of about £210,000 with mortgages of about £140,000.
The joint house was bought for £355,000, mortgage is currently £273,000.
Alicia earns £36,000 from her job. I earn £25,000 at work and a further £12,000 from the property rentals.
I think she can cover the mortgage for 3 months, then I think there's a very real possibility she will default yes.
We always agreed that should we split I would keep my two houses and she would keep the one we shared. We are sticking to that, but I am concerned about the safety of my investment properties if she ends up bankrupt, ideally I would sever all financial ties but if I mention the mortgage she just tells me she can afford it and not to worry.