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Thank you for your question
My name is Clare
I shall do my best to help you but I need some further information first
How long have you actually lived together and what income do you each have?
How much is the house worth and how much will you need to purchase another property?
What other assets are there?
Please do not worry - no need to press the rating until we are all sorted!
Where is your ex living at the moment?
Is the flat rented?
Do not worry we will get to everything I promise
The ways of the website itself are a mystery to me - so simply ignore it!
What did your husband spend his money on over the years?
A 14 year relationship entitled him to a share of the assets - but not for a 50% share.
Given the current situation there is a good chance that the court would allow you to sell the property and move to a Warden Controlled Property BUT when that property is eventually sold your ex would be entitled to a share of the equity then.
Accordingly when you die I am afraid that he will have a claim on your estate - but you are NOT liable for his debts if he dies first.
I hope that this is of assistance - please ask if you need further details