If you die intestate, the rules of intestacy are quite straightforward and strictly applied.
You get all joint assets plus the first £250,000 of everything in his sole name. You then get 50% of the remainder over and above 250,000 and any children get the balance of the 50% of the remainder over 250,000.
Stepchildren get nothing unless they have been legally adopted.
It doesn’t matter whose name the house is in if a couple are married and whether it’s in joint names or single names, the non-named owner has exactly the same financial interest in the property as they would do if they were co-owners.
In addition, if the couples split up or get divorced and the house is sold, it doesn’t matter who divorce is who or why, the court does not apportion blame when it comes to dividing the finances.
A person who does not live in a house is not responsible for the mortgage or the bills of a house they do not live in although if they are named on the mortgage, they remain liable to the lender if the other person who remains in the house doesn’t pay. Your particular case, your husband is liable within the marital finances to pay the mortgage but he is not named on the mortgage so he has no liability to the lender.
How much your husband would get in the event of divorce would come down to how long you would together before you got married, and how long you had been married, how many assets you have, what incomes you have, the value of the house, the mortgage, pensions et cetera et cetera and what each of you needs to live on after you break up.
Can I clarifying anything else for you?
I am happy to answer any specific points arising from this.
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