Thank you for your question
My name is Clare
I shall do my best to hep you but I need some further information first
How much is the house worth and how much is outstanding on the mortgage?
What other assets are there and what income do you each have?
Do not worry - the answer includes all the exchanges until I have the information I need to help you- and you are sure you have the informtaion that you need.
How much does a cheaper three bedroom property in the same school are cost to buy - and without asking them how do you think the chidlren will wish to share their time between you?
Do you have any ides how much his pension is worth?
Your husband has not been honest with you at all.
You have been the main carer of the children until now and that is what is likely to continue, with the children also spending time with their father.
Shared care does not mean a 50/50 split and given their ages it is up to the children how they wish it to work
With regard to the house the housing needs of you and the children will be the priority and since half of the equity will not be enough for you to purchase a property you will get more than 50% - as much as you need to purchase another property - although you may have to pay some of it back when your youngest is 18 or if you cohabit.
I say may a sit is likely that you would get a 60/40 split in your favour anyway, and if you take your share of his pension as capital rather than as a Pension and you give up your claim for spouse maintenance then you could receive all the capital without any chargeback.
I hope that this is of assistance - please ask if you need further details
The gambling is a reason for the divorce
The Depression might raise a question mark over his ability to care for the children
IF you can raise the money to buy your ex out that is indeed an option
You are not responsible for his gambling debts.
The Court fees for a Divorce is £550 - how much you spend on a solicitor is up to you!
There is no such thing as a "Legal Separation" - if you live apart then you are separated!
If you can buy him out then that would be seen as the appropriate option