Relationship breakdown after 10 years.

[grcxo]

I’m currently preparing to leave a long-term relationship due to emotional and financial strain. We have been together for almost 11 years but are not married. We have a child together.

We own a home. I legally own 25% of the mortgage, and our equity is split 50/50. I contribute 50% towards household bills and shared subscriptions. My partner is the primary earner and holds financial control over most assets, including all cars (which are in his name), and my phone (which is through his company account).

I currently earn approximately £360 a week.

I want to leave the relationship, but I am concerned about my ability to secure housing without losing custody or stability for my child, access to transport (as I don’t currently own a car in my name), protecting my equity in the home and understanding my rights and entitlements for benefits or support

I am not looking to rent if I can avoid it. I’m interested in moving to a new-build estate under a different council and want to understand if shared ownership or first-time buyer schemes are realistic for me with financial help.

Not married means of course you’re entitled to nothing apart from your share in the house, and child maintenance going forward . So is it 25% or 50%? Is that enough to buy somewhere else? Realistically though, how will you get hold of your share? Could he / would he buy you out? If not, would he agree to sell? Yes, shared ownership sounds like a good (and realistic) option but the first thing will be to sort out the house you’ve got now.

i pay 25% towards the mortgage and any additional equity which exceeds the initial value amount when we bought the property is split 50/50