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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.

Financial advice on divorce and splitting house?

27 replies

DivorcingmyNDhusband · 06/10/2025 09:11

I told DH years ago that I wasn’t t happy and needed things to change. During Covid I told him I wanted a divorce. We have been nesting ever since partly because of our ND kids and exams which finished in June etc.

Since I moved into the spare room, he has cluttered up the main bedroom which fully reveals his mental health problems. And otherwise he’s very difficult to live with - repeatedly shouting and saying he will be going, but then he never does. He probably won’t be able to organise this himself but he will argue about everything if I try to do it for him…which is why I’ve steered clear of getting involved up to now.

We had agreed he would find a place to rent this summer and move out but he’s not done anything about it. Im not surprised as his ADHD really gets in his way.

A couple of weeks ago he started saying he was stuck and demanding that I buy him out of the house. We are in SE England so our 4 bed is worth £1.5m. That’s a lot of buy out!

We have no mortgage (overpaid consistently for years to clear it) and 2 kids 14 & 16. They are neurodivergent as well so they’d ideally not want to move house. But even they are fed up with his erratic and grumpy behaviour.

When they were tiny DH did very little at home when I was on maternity but did 1 day childcare/morning drop offs (and I did 1 day plus all the pick ups/evening/bedtimes as he works late) when I went back to work. He went full time once they were in school and I stayed part time for 10 years until I started my own business where I try to fit full time hours around family life. He does the vast majority of cooking and shopping since Covid but finds a lot of time to spend on hobbies. I don’t! He doesn’t attend parents evenings and I just realised hasn’t ever visited the kids’ current school. I deal with all their things and the house generally aside from cooking. Our kids have SEN so that’s a massive job with all the meetings, appointments and forms etc which all falls to me. I pay everything 50-50 but my career was ruined by going part time/short days - which effectively was free childcare for him (although I did want to spend time with the kids after school obvs!) which he’s never really understood or accepted. I’ve come to think that I’m the one who organises things for us all and he’s like a really angry “back seat driver” who wants to be in charge but doesnt actually get on with it!?

He says he wants his share of the house so he can be completely “free of me” - I think he means free of the hurt of rejection because I do wonder how he’s going to look after himself sometimes. He says this in front of the kids (usually while crying and dysregulated) so I’m at the stage where I think paying him off and/or selling the house will be better for me & the welfare of the kids. His outbursts are often as theyre trying to go to sleep or get out for school which is really bad for school refusing anxious types. Cutting all financial ties sounds good esp as my business is doing quite well… but I don’t have half the money knocking around….

However if he’s truly casting off all childcare surely he can’t expect 50/50 on the house?

We have agreed we are broadly equal apart from the house so that would be the only asset to split.

One of the DC says they’d visit DH for the day once a week but wouldnt stay over to avoid being his “emotional punching bag” and the other one might be similar/slightly more contact. So he won’t have any caring duties at all.

So I’d like to make a plan I think works and then get things moving.

Any advice for me?

Where can I find out the method for calculating typical settlements please?

Any suggestions for an advisor/coach as I’ll need advice on financial and emotional/practical matters

Apologies for the long post - I didn’t want to drip feed

OP posts:
LemonTT · 08/10/2025 14:57

DivorcingmyNDhusband · 08/10/2025 09:00

thanks for that thought. I’ll investigate mortgage capacity next I think. But he’s not going to need a 3 bed. Difficult to explain but his erratic behaviour evenings/mornings means that the kids don’t want to stay overnight with him.

Giving the value of the assets your divorce may go beyond just meeting needs. He can argue that 50% of all assets allows you to house the children in the local area so as not to disrupt their education. He can also say that he wants the situation with the children to change and to have a home they can live in.

In a needs case where you couldn’t afford a three bed in the local area with 50% of the equity and your income you could ask for more. As it stands you will get 750k in equity from one property and I assume a 6 figure from the other property which would fund a property outright. You earn more than him and will be receiving child support.

I think you should bear in mind how long a contested divorce with an uncooperative ex can take. The advantage you want to leverage, dependent children, has a clock on it. In 2 years time it will be 1 dependent and 2 years after that it will be none. It has taken you 4-5 years to even get started on a divorce.

I think you also need to consider whether in terms of a divorce you are being unreasonable to expect to keep two homes one of which is owned outright and worth 1.5m. Whilst he has nowhere to go other than a business premise.

If he is a difficult and disorganised person you have the potential for a drawn out divorce. If you are being unreasonable as well it could go on for years. Leaving you both stuck.

I am not saying don’t fight for what you are entitled, Just that you need to temper your expectations and be willing to compromise on things.

DivorcingmyNDhusband · 09/10/2025 22:10

LemonTT · 08/10/2025 14:57

Giving the value of the assets your divorce may go beyond just meeting needs. He can argue that 50% of all assets allows you to house the children in the local area so as not to disrupt their education. He can also say that he wants the situation with the children to change and to have a home they can live in.

In a needs case where you couldn’t afford a three bed in the local area with 50% of the equity and your income you could ask for more. As it stands you will get 750k in equity from one property and I assume a 6 figure from the other property which would fund a property outright. You earn more than him and will be receiving child support.

I think you should bear in mind how long a contested divorce with an uncooperative ex can take. The advantage you want to leverage, dependent children, has a clock on it. In 2 years time it will be 1 dependent and 2 years after that it will be none. It has taken you 4-5 years to even get started on a divorce.

I think you also need to consider whether in terms of a divorce you are being unreasonable to expect to keep two homes one of which is owned outright and worth 1.5m. Whilst he has nowhere to go other than a business premise.

If he is a difficult and disorganised person you have the potential for a drawn out divorce. If you are being unreasonable as well it could go on for years. Leaving you both stuck.

I am not saying don’t fight for what you are entitled, Just that you need to temper your expectations and be willing to compromise on things.

Thanks for taking the time to reply - I just want to work out a fair deal and then find a way to finance it. I quite agree - the simpler the better!

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