Thanks everyone.
People are asking for more details about the financial picture, but that has changed significantly over the last five years so the tables have turned a little...
He has an important job he's been in for years on end, lots of security, massive pensions, savings in the bank and so on.
I, by contrast, was a single parent struggling for most of the my child's younger years to make ends meet - I had well paid career but everything was so expensive on one income, so there was never much left for savings or pension and I was always self employed so didn't get perks.
So I never had opportunity for any of that security stuff and raising my child alone was genuinely hard as my family didn't have anything either and my child's Dad never gave me a single penny.
Moving in together, when we agreed to do this, was arranged around the time my child left and went to university (our kids are the same age but his predominantly lives with their mother) and aside from wanting to live together, it was also really important to me that I pool resources, cut costs and be able to save for the future as I wasn't getting any younger.
So it was both about the emotional bit of sharing a life with someone, but also about the security of being finally able to build for my own old age. So it really hurt me and caused a lot of fear for the future when he made it hard for me to move forward with the plan we'd made that would have offered me some security.
In the end, as idyllic as it sounds with the two houses (and we do love it) the reason he bought the house in the city centre and I got the one out by the seaside was that I needed a much cheaper area than he did! which wasn't actually ideal at the time, it means moving two hours from work, friends and my family and I was really bloody upset at the time.
It worked out well in the end, but it felt like a betrayal at the time and caused me for a long time to evaluate things with him. What I didn't like most was that it made me feel still alone and I had been alone a very long time and didn't want to be that anymore.
After the dust had settled on that, we did work through it over time. I explained that his decision had left me in fear for the future, as well as my NOK worries, and he listened quite calmly to my fears and that is when he went away and solved that problem for me,
He made me his legal NOK, added me to his will, and his work has some kind of scheme that pays the mortgage for a certain number of years in the event of something awful. I am not sure of the details but he more or less put iron clad financial protection in place for me.
So he solved the practical problem and certainly at that point it could have been about him protecting his child or his assets but he also made clear he was happy to sign away those assets to me and that he loved me and did not want me to feel afraid or alone, but he just didn't want us to have one house for whatever reason.
Since we had both house, as I say, it worked out and we love having a seaside place we run to for quiet weekends but it wasn't romantic at the time, it was really quite hard for me and I felt hugely let down by it. He always wants to be together, he never wants to be on his own in the city, so it isn't about space or likely money - he just wants on some level to avoid the marriage and the shared deeds to a house.
I do think though that over time he's calmed down and if I asked is to be on the deeds of each other's house, he would happily do that now. It was almost like he just needed a lot more time than I did.
We are financially independent, separate bank accounts and so on, and I would always want that. The idea of someone else seeing my bank account gives me a bit of ick as I have been independent for so long.
But life took a twist financially.
By funny circumstance (and a fair amount of hard work too!), my family business where I have worked for a few years has had some entrepreneurial success over the last few years and as a result, I get paid a lot more money (the same as he does now) so no longer need to struggle.
This also changes the future picture, as it means I now have assets in my shares and so my worth now far exceeds his for the future by about 10x as of today and likely to get higher. It is wealth enough that within 2 - 3 years we will both be able to give up work completely, and we have made plans to get a boat (we love sailing) and travel around the world.
So in effect, I suppose when I had nothing he was happy to give me what he had, and now I likely have a lot more he doesn't want it!
So really, I don't think this is about assets for him. He shows in every way he considers everything that is his to also be mine. He treats life and everything in it as if it is ours, and we make all our decisions together now.
In terms of our kids futures, they are both solidly cared for now. They each have homes to inherit from both us as well as grandparents so they will get a good start with things. They are both lovely young adults and get along like siblings and we both love one another's children and trust each other completely.
I will make sure his child gets the same from me as my own does probably - we feel like one family now after all this time and there will be more than enough to go around.
The bottom-line is that he is so allergic to the big life commitments, that he makes them difficult or unpleasant but it's emotional for him in some way, like a phobia rather than something more rational. I have empathy for that but as some previous posters mentioned it is difficult to let go of things that hold meaning for you, particularly if the reason you are being asked to is a but dysfunctional. I would ultimately be very sad if I never got married.
i am Catholic, not Muslim, although I don't practice much I do believe in God and marriage is something very sacred to me. I do think the legal side is important, I would like to be his wife and all that entails, but in terms of the spiritual side, I would actually be happy with a ceremonial wedding that was not legal, as that would make me feel like I was married inside even if the law didn't recognise me.
I am a bit sentimental.
I am glad I have been able to get this out, I am obviously not going to leave such a happy relationship with someone I love so much but maybe I need to come to terms with letting go of part of my dream. Maybe I am being silly, I am not sure why it feels important and as I say he is more of a husband to me than most real husbands.
I think there was a bit of me that had life really hard, awful relationships, a lot of struggle and being alone and I did have this knight in shining armour fantasy where someone would want to marry me and it would be all happy, but maybe I did get my knight - just not in the way it is on TV.