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How to split assets

27 replies

tiredofthisshit21 · 31/05/2026 15:50

Not sure what topic this belongs in. We need to agree a split of assets for what was originally my house. Bought for 220k in 2011, with 150k deposit. Married DH In 2018 and extended house at the same time. He paid off 13k of the mortgage and has been paying half of mortgage since we married. House was probably worth close to 300k before extending, and worth about 475k now. We want to downsize and for me to take out my share to help fund my retirement, then buy new place 50/50. How would you split the % ownership? I thought about just taking out my deposit but maybe that wouldn't be fair.

OP posts:
Cornishclio · 01/06/2026 23:09

I think if the house was worth £300k prior to you getting together and your DH paying towards the mortgage and the extension further advance that is the starting point less the mortgage outstanding at the time. That essentially is your stake and your DHs is the £13k he paid towards the mortgage. Going forward you paid the mortgage equally so that is cancelled out. When you get the proceeds of the property you should take out £300k less the mortgage amount outstanding in 2018 and DH should take £13k then you split the rest equally.

tiredofthisshit21 · 02/06/2026 05:57

DarkForces · 01/06/2026 23:00

But surely most of it will be used up supplementing your retirement fund? You've married and plan to merge to the extent it's probably at risk anyway. You've married can't ring fence it in a trust for her because you're planning to spend it. None of this makes sense to me.

But I want her to get half of a property that we equally own, then it makes things fair.

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