Thanks for confirming. You can find out whose name the title is in for the flat, and if the actual property for the chip shop is owned, this can be checked too here: https://www.gov.uk/search-property-information-land-registry
If the home is not in your name, you will still have matrimonial home rights arising out of the marriage which entitle you to occupy the property at least until divorce. You can register this interest on the title using form HR1 and your spouse will be notified of the registration.
In relation to the business, this is fairly complicated and your relevant shares will need to be investigated and it is likely that a court will make this decision if you cannot agree between yourselves. You would be entitled to claim your loan back, however, it will need to be assessed as to how much of it should be returned as the venture appears to be a matrimonial decision and given your long marriage, as well as two adult children, he Court's starting point is a 50-50 split of all matrimonial assets and ensuring that both your needs are met in relation to both assets and income. For your information the criteria considered by the court in these matters is:
1. The income, earning capacity, property and other financial resources which each of the parties to the marriage has or is likely to have in the foreseeable future, including in the case of earning capacity any increase in that capacity which it would in the opinion of the court be reasonable to expect a party to the marriage to take steps to acquire;
2. The financial needs, obligations and responsibilities which each of the parties to the marriage has or is likely to have in the foreseeable future;
3. The standard of living enjoyed by the family before the breakdown of the marriage;
4. The age of each party to the marriage and the duration of the marriage;
5. Any physical or mental disability of either of the parties to the marriage;
6. The contributions which each of the parties has made or is likely in the foreseeable future to make to the welfare of the family, including any contribution by looking after the home or caring for the family;
7. The conduct of each of the parties, if that conduct is such that it would in the opinion of the court be inequitable to disregard it;
8. In the case of proceedings for divorce or nullity of marriage, the value to each of the parties to the marriage of any benefit which, by reason of the dissolution or annulment of the marriage, that party will lose the chance of acquiring.
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