Yes, the matrimonial home right ceases on death or divorce. I already said that in the previous reply.
What happens to the house depends on whether your wife is written a will and what is in it or whether she dies intestate because if she dies intestate spouse gets the first GBP270,000 of the estate +50% of the remainder and children get the other 50%.
If she has not left you adequate provision in her will, then you have a claim to make under the Inheritance Provision for Family & Dependents Act and that could include the right to live in the property for life.
If you are thinking that there is a lot of uncertainty here, you are right. The only thing that would provide any certainty would be if your wife had written a will leaving adequate provision for you.
If you predecease your wife, then the same applies in reverse.
If you haven’t already done so, you need to sever the joint tenancy on the property otherwise if you die, the local authority are going to grab everything apart from GBP23,000 to pay for her care.
You need the title deeds. If you haven’t got them already you can get them from the land registry.
You can get the title deed and the plan quickly and easily by using this link:
and you will have to pay 3 pounds for the title deed and 3 pounds for the plan. You do not need the plan
You will then have them in minutes if not seconds.
You are looking for a restriction in section B, the Proprietorship register along the lines of “no disposition by a sole proprietor is to be registered et cetera et cetera
if that restriction IS in there, then the property is held as tenants in common and there is no need to do anything.
If it is NOT there then you need to give your co-owner a one line letter referring to the property and say that you hereby sever the joint tenancy of the property. Simple.
Then, submit land registry form SEV to the land registry. There is no free. They will then insert the restriction in the property which converts the property to tenants in common.
Here is the form: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/449784/SEV.pdf
Your co-owner can do nothing about it.