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Married 6 years, lived together 8 years. Awaiting valuation but probably just under 200k . Remortgage is for 154k. Initial mortgage was 125k extra funds to be used to pay back her Mother. Her Mother has a charge on property as she lent us 50k to buy. In the remortgage the wife is paying this back. Debts about 5k each on credit cards, she earns 40k pa me 25kpa. second hand cars only real assets apart from about 2k I have tied up in share save scheme.