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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Splitting assets question

15 replies

Angeldelight21 · 07/02/2024 18:53

Hi all,

What are my chances for 60%-40% assets split? Married for 9yrs.

Husband earns 65K plus bonuses etc, company pension pot (120K)

I'm on 30K, no pension, temp contract, zero pension, primary caregiver for our 2yr old.

We have a mortgage-free apartment (125K) and a house (185K with 50K mortgage on it)

My solicitor thinks I can get 60% but apparently husband's solicitor. Said everything is 50-50%

What do you think?

OP posts:
Viewfrommyhouse · 07/02/2024 19:42

Ignore your husbands solicitor.

Spacecowboys · 07/02/2024 19:58

Request 60/40 in your favour and you’ll disregard his pension?

millymollymoomoo · 07/02/2024 20:01

If 50% of assets provides for your needs, and you’re young so can build up pension, that could be what’s awarded.

Quitelikeit · 07/02/2024 20:02

Ask for the house and 50% of the apartment in return for disregarding his pension

Appleofmyeye2023 · 07/02/2024 20:05

Go to link above in header to ADVICE NOW

Print out their guides to divorce processes

you need to understand how “fair settlement “ works which is the law that courts must uphold in “sealing” financial settlements even if it’s a consent order you agreed between you. “Fair settlement” is based on future needs, not past behaviour and has 10 or so criteria that impacts how assets are splits. Only you and stbex know which ones will apply and how they would impact the split of assets

yes, courts prefer 50:50, but in many many cases this is either not possible or optimal. Courts look at your legal financial declarations (D81/form E) and information you provided on it, then look how “fair settlement “ applies to your position.

”fair settlement ” is law to ensure that it does not leave one partner with lion share of assets whilst the other is at risk of needing state benefits in the future that they’d otherwise (with different split) not need. That, for instance is why pensions are included as marital assets now - so , where possible, potentially way into the future one partner is not on a swanky private pension, and the other needs pension credits. The law is designed to protect the state and tax payers bailing out one partner when the other partner waltzes off with all the
wealth

how “fair settlement” is met by you and your stbex, in your specific circumstances , can be fairly clearly understood by reading through examples and details in ADVICE NOW guides. No one here can tell you that, without having access to your full financial D81! A solicitor has a job to sell, solicitors will try to get what client wants, even when they know it may not be successful, and could cost £1000s in their fees and months of delays. For divorce it is better to try to work out between you, then tell the solicitor the specific tasks you want them to do. Once you start arguing through solicitor bill will run up at £3.50 per minute every time your solicitors even think about your case or pick up a document,

do not enter into any debates about the details of the split, until you have both completed your form E /D81 (ADVICE NOW tells you how- you do NOT need a solicitor for that, all they’re doing is taking data you give them and putting into a form you could just as easily, and way more cheaply and quickly, do yourselves). There is no way you should start to negotiate until you both know exactly what’s in the pot . That includes house valuations, asset valuation and pension valuations. Until that’s done don’t get into these silly debates. It’s also a way to force him to get the declaration done quickly - to know you won’t discuss settlement with him until it’s done, and you trust the numbers he’s entered with the evidence for it.

RedLeicesterRedLeicester · 07/02/2024 21:15

I’m worried about my likely deal of taking majority of assets is leui of husbands pension. He earns 10x what I do and has much more significant pension.

If I take majority of assets it is in children’s interest, stay in family home bring the main thing. But looking at the news today I am nervous about pension in later life. I’d likely be living in a flat (after selling family home to fund lack of pension) with no space to accommodate adult kids & husband will likely have a mansion…

Angeldelight21 · 07/02/2024 21:26

I'm also wondering how is the pension being valued for certain period of time? We weren't together when he started contributing into.

The pension pot is such a complicated area. Do you have to pay for a financial advisor to get it valued?

OP posts:
millymollymoomoo · 07/02/2024 22:32

You’d need a proper valuation on pension yes
possibly any accrued pre marriage might be excluded.

to consider:

you both need same housing for yourself and child so needs are the sane
he might earn more but he’s not considered a high earner and mortgage ability not much more substantial
you can secure more secure time ( ie not zero hours etc)

if you can both house yourselves in 50% of equity ( of both properties) that might be deemed fair

SeatonCarew · 07/02/2024 22:37

Ignore your husband's solicitor, he's not your friend and he's not on your side. Don't accept less than 60:40.

Angeldelight21 · 08/02/2024 09:54

I work full time, 40 hrs a week (not a zero hrs contract) but it is a fixed term contract, so I cannot get a mortgage, I have already spoken to the bank.

Our fixed term mortgage ends this Jun, so worried what will happen then.

OP posts:
Angeldelight21 · 08/02/2024 09:57

Thank you for bringing to my attention the Advice Now website. Is there any free material or do you have to pay for all guides?

OP posts:
Octavia64 · 08/02/2024 10:17

Your husband's solicitor is not in your side.

Part of his job is to try to persuade you to accept less money.

Do not pay any attention to him.

In a divorce, the courts have a number of principles:

The needs of any children of the marriage
(So any financial settlement needs to make sure they have somewhere to live and the person looking after them has money).

If it is a long marriage then the starting point AFTER the needs of the children are met is 50:50 division,

It can be worth getting a pension accurately valued but be aware this can take months.

millymollymoomoo · 08/02/2024 10:51

Only if there is surplus of assets - which usually there aren’t

theres alot of equity here, only one child, both parties need 2 beds. What’s the price if 2 bed in your are? Can that be funded with 50% of equity from
sale of both properties?
will you get cms? Uc top up? You’ll quickly see if you do net income disparity might not be huge .

What job plans do you have once fixed term contract ends?

You’ll be assessed based on earning now/ potential re settlement perspective

ognoringvpension fir now which will need valuation and split if you take equity of 260k, that’s 130 each if 50:50, or 156 to you if 60 40. Not massive gap ( and could cost that to fight)
or you could look to offset pension share for higher equity share but then can he house himself with lower equity share plus mortgage plus he’d pay cms ( unless 50:50 residency)

these are the things you need to consider

and your housing needs are equal and he’s not a high earner to be in spousal maintenance territory

ZippyLion · 08/02/2024 13:28

Ignore your STBX solicitor, he isn't on your side and he's being paid to fight you on your husbands behalf.

Most solicitors offer a free 30 minute consultation that it would probably be worth contacting a couple for to get a little bit of advice. There's a divorce firm called Fair Result that work on a fixed fee basis so it doesn't matter how long your case goes on for you won't be charged more. They definitely offer a free consultation where they assess the assets and will tell you what is a fair settlement for you to expect. www.fair-result.co.uk if you want to check them out and contact them. If you do decide to use them, they don't take any payment until all of the divorce is finalised too.

Fair Result - Fair and Equitable Divorce Settlements

Fair Result was established based on the frustration with the existing systems for dealing with the emotional issues associated with separation and divorce.

http://www.fair-result.co.uk

Anita848 · 11/02/2024 15:50

Great advice here, including the guides posted above by appleofmyeye2023. I'll leave this free guide that I used too in case it can help by giving you some more info/help you in any way. This specific free guide may be able to help - https://iamlip.com/help-guides/the-court-process-of-dividing-your-marital-assets-finances-and-pensions/

https://iamlip.com/

Dividing Marital Assets, Finances, And Pensions

Dividing Marital Assets, Finances, And Pensions - I AM L.I.P

https://iamlip.com/help-guides/the-court-process-of-dividing-your-marital-assets-finances-and-pensions

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