If we were to divorce..

[Brightstar5]

Together 14 years, married for 5, 2 young children. DH bought the house we live in very early on in our relationship so I’m not on the mortgage. I transfer money towards the bills each month directly to him (he pays substantially more because he earns more) and I pay for everything children related, childcare, clothes, clubs etc.

IF we were to separate, where would I stand with the house if I’m not on the mortgage?

Is it ringfenced?

No it isn’t

After 14 years with 2 young children, most likely you'd be entitled to 50% of all assets. So would he.
House equity
Pensions (both)
Savings (both)

It's a long marriage, so the likely starting point is 50%. Then you look at rehousing needs, so if he can get a bigger mortgage, he may get less equity. Or he may trade his pension for house equity. How big are the other assets (savings, pensions, investments)?

This.
If you haven't got it already, try to get a clear idea about the house equity, savings, debts, pensions, so you know what you're likely to get and can start to plan how you'd want and need these to be split in a way that works for you. Also easy to find out exactly what child support you would be entitled to (there's a calculator on gov.uk)

Yeah, you have a claim on the house because you're married.

The years before you were married (but cohabiting) are taken into account, so ? 14 years in your case.

Thank you everyone, that’s really helpful. He’s a good man, just having a few issues which I hope we can sort but I was interested in hearing your thoughts in case the worst happens. He does have other assets and he’s very open about all finances. If the worst was to happen, I wouldn’t be looking to go after his other assets, just enough to set up a home for myself and the children. He is going to put my name on the mortgage when the current term is up next year but it looks like it isn’t that important anyway. Thanks again

Don't be too saintly about division of assets if you do end up divorcing - it's about providing for your children properly and making sure you're both in a decent position moving forward. It's not about taking from him or punishing him, but for the kids benefit and to level the playing field a bit if say you put your career on hold etc.