mortgage contribution

Hi All,
Divorce filed by partner in Jan 25, currently going through mediation but seems to have stalled due to lack of disclosure on her part after 3 mediation sessions. I have struggled with the whole process due to lack of cooperation and communication from her (we only communicate via email though in the same house) and we have 2 childern under 14.
Due to the high stress and anxiety, i lost my job recently and am unable to pay mortgage, all my earnings went into the property and bills. I have always paid mortgage and all household bills over last 10 years. She works part time and has a substantial savings (£30k+) and still refuses to pay anything towards mortgage or household bills. As i am unable to pay, i have informed her about the risks of missing payments etc however she is still unwilling to cooperate. Also floated the idea of selling the house as theres £300k equity in it for which i will need her consent. I may have to get a solicitor but am concerned about the costs involved especially in my situation. What other options do i have apart from missing the payments and possiblility of getting home repossesed?

Contact mortgage provider and tell them about the divorce and ask for a payment holiday.

The divorce sounds quite straightforward. Her and the two kids, versus you. The asset split could be 75/25 in her favour on a Clean Break basis. You may need to wait for your 25% until the kids turn 18 years old.

The problem with divorce is it is very subjective. A different Judge may do 60/40 in her favour + nominal spousal maintenance. The whole thing is very subjective. A lot will depend on mortgage capacity and cost of new flats/houses. Some Judges may get angry with you if you don't find a new job.

Sounds like a simple divorce and maybe you could do it yourself without the cost of a solicitor/barrister?

Hi, thank you for your response. This all seems heavily in her favour. Do men/fathers not have any rights?

I’m not sure why you feel the reply you got is heavily gender biased?

If you can’t pay the mortgage tell your lender. If it is a joint mortgage they will chase both of you, jointly and individually for payment. Any repossession is a long way off especially if there is equity in the property.