The children are married and have left the marital home. We were married for 40 years (he left just before the anniversary).
When I took over the mortgage payments in full, I had the house valued at £125,000 but was told that realistically we would be getting about £110,000. At the time of my husband leaving me, there was a balance of £42,000 outstanding on the mortgage. I have now got it down to £32,000 - £10,000 of that is an endowment shortfall and will need to be settled at the end of the mortgage term which is in 2016