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Can you tell me:
1. Is there much equity in the family home?
2. How much do you earn in your new job?
3. Is your husband living in there property still?
Usually the only way to ensure you can keep the property is to be able to meet the mortgage payments, but this can be with spousal maintenance to assist you with this. It would be unusual for him to pay half of the mortgage if he's not living there.
Have you factored in child maintenance payments too? As these will help towards the monthly budget.
The best outcome would normally be for you to remain in the house until the children are adults, and have it sold at this point, but if this is means that he cannot take any of the equity now and you also cannot afford to make the mortgage payments on your own, then it's not a solution the court will be able to recommend I'm afraid.
The children's need for a home is key here. If he earns significantly more then you could ask for a larger than 50% share of the equity, of course, if it were to sell. There's also the issue of private pensions. Has he been paying into a pension at all?
I understand. The court can order him to remain on the mortgage if you can afford the repayments and it is the only way that there can be a stable home for your children. That's the case that you would have to make to the judge in court.
The judge should have some sympathy for the financial pressure you will be under as a result of your husband's debts.
I hope this helps.
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Yes you can email his solicitor. Ultimately it's up to the judge. An order for sale is one of two options, the other is the proposal you are putting forward. The judge has to make the decision about the fairest outcome for all parties.
If this is your proposal then this is what you should put to his solicitor.
Then as I said, this will ultimately be for the judge to decide in the end.
If that's a possibility then get a quote for this fro a mortgage broker.
Then don't go down that route. Your suggestion was for him to remain on the mortgage but for you to make the payments. This type of arrangement is often referred to as a mesher order - perhaps look this up.