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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 informtaion first
How much is the house worth, how long have you lived together and are there any children involved?
How long have you and your husband lives together in total and how old are the children?
How much would a cheaper three bedroom property in the same school area cost to buy?
What other assets are there and what income do you each have?
Savings etc - who has the day to day care of the children?
How will their care be shared between you if you separate?
Does your husband have access to any other funds at all?
Not from any Trust funds?
What is your maximum mortgage capacity?
What about your husband?
It is very difficult to assess your position since the priority for the family court is the secure housing of the children.
From what you have said you will be sharing the care between you which means that ideally you each need suitable accommodation
Are there any shared ownership properties in the area which might facilitate this?
It will only be a straightforward matter if you and your ex can actual agree how to divide it.
If you cannot agree then it will be for the Family Court to decide - and their priority would be the safe and secure housing of the children - so much will depend on how much time they spend with each of you.
Given that it appears that you will be sharing the care of the children a straight split of the equity would be one good option - with your ex receiving a little more in view of the fact that he has no mortgage capacity and brought the majority of the capital to the relationship
I hope that this is of assistance - please ask if you need further details
No not at all - this is the matrimonial home and is available for division between you