For the purposes of the division of the finances on the divorce, this is looked at as being a long marriage because although you have only been married for 18 months, you have been together for 22 years.
Therefore the whole period of time that you were together would be taken into account with the division of the marital finances.
Don’t feel too bad about having signed over half of the house to her because she could have registered a Matrimonial Home Right notice against the property which would stop you selling or remortgaging it and in any event, her financial claim on the property is exactly the same whether you have the property in joint names or sole name.
With no dependent children of a marriage and with 22 years of marriage, it’s highly likely that whatever assets and money is in the marriage, would be split down the middle in the event of a divorce. It doesn’t matter who is responsible or what the reason is, the court doesn’t apportion blame when it comes to the division of the marital assets.
To be honest this is probably going to be more of a mathematical calculation of deciding what half of the house is worth and what half of the motorhome is worth and you and her coming to an agreement whereby she gets whatever she gets and you get whatever you get. If she is agreeable to keep the motorhome but you keep the house, then depending on how much equity is in the property, it might not be such a bad deal.
What is problematical for you here is the length of the relationship and the time you are married, not the length of the marriage in isolation.
Even if you hadn’t done what you had done, she would have had a claim probably for 50% of everything so although it’s going to hit you hard financially, you haven’t been as foolhardy as you may think you had been.
. Can I clarify anything else for you? I’m happy to answer any specific questions that you have. I am off-line shortly but will pick this up later very briefly or tomorrow.
I’m happy to answer any specific points arising from this.
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