This is about my sister, not me.
Husband of 30 years, left two years ago to live with OW (although he pretended not to be). Turned out he'd been having various affairs for around 10 years.
There are zero assets in the marriage: no house, no car, no savings, nothing.
He has a reasonable pension expectation (one is Final Sal and a couple of others), sister has nothing.
He is a high earner and sort of has three jobs - one he is employed in which pays very well (over £100k), one where he does some public speaking/consultancy for day rates and another which is a public role which pays a day rate.
Two kids, both adults (but both still supported financially a bit, though that could stop I guess).
Sister has almost never worked and certainly has no 'career' or any skills to fall back on. She is also partially disabled and is 58 now, so it's highly unlikely she can find work. She also lives very rurally, where there isn't much work.
Ex-H now wants to go for the divorce, though originally he did not, but we assume OW is now pushing for this as the two year mark is passed.
Until now, he has been paying all the household costs as he did when they were together, and then transferring half the remaining income (but only from his main job, she never sees anything from the other two income streams and does not know how much it is, even when they were together he kept that separate) to her account while he has kept the other half - though originally this 'half' was after both her household costs and his (a flat that he rented during the marriage, due to working away) but now he lives with OW he has no 'household costs' as such, so has significantly more disposable income monthly.
They have an informal agreement that on divorce, he would buy a house for her and pay spousal maints for life (he has to really). He won't really need to ever stop work unless he becomes incapable.
The problem is, the house would be in his name as he would need a mortgage (he has been saving for a deposit for this but won't have more than £20k by now). He's given sister some guff about getting the mortgage then transferring the house to her - but I know you can't do that as mortgage co have a charge on the house and would not allow it.
So, then her next option is for him to increase maints to cover mortgage payment and her to get the mortgage, but I can't see her getting a mortgage a) on this basis and b) at her age (or, not a very long one anyway).
She has no other income.
Does anyone have any experience of this please?
The second issue is that he is possibly going to come into a large sum of money in the future (over a million) as a result of investments made during the marriage and work he did while they were together in which she supported him (for a while she ran a business he worked in, plus with his high profile roles and all his global travel she was unable to work while the kids were at school and later as a result of the lifestyle they chose together - horses, dogs etc).
Is there a way she can ensure if this money comes in, she gets a share?
thanks