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Thanks for your advice bednobs
No my ex husband doesnt have any life insurance. I do have a teenager living there with my ex, but i think he would do the house up after hes bought me out and make a profit, or sell up anyway and move into a smaller place. My ex would be doing well if he bought me out as his offer is less than half of my share when child maintenance is included, especially if property still continues to rise.
Alternatively, i could leave the settlement for the time being and see what happens, with his health, the market, if the house is done up and value increases.
But my biggest concern is as i have said about my exs health, if it deteriorates, he might not get a loan to buy me out in the future and it could be a long time before it can be sold- he could hold out until my daughter is past 18, unless i forced a sale, and im not sure if i can do that.