I am separating from my husband after 16 years of marriage (20 years of being together). I am worried about what is a fair ask as a financial settlement. There are no children involved. We have a jointly owned property worth about £550,000 (which my husband is willing to take over at the moment, less associated selling costs). I earn £12,000 (net) as a part time fitness instructor. (I earned max. £35,000 when we were first married as a bank administrator). He has taken early retirement and earns £31,000 (£24,000 of which is drawn from his pension) the rest in part time work. In addition, I have pensions/endowments and savings/premium bonds worth around £80,000. He has assets as follows: Pensions/|Bonds/ISAS/PEPs/Shares totalling £953,000. Premium Bonds/Fixed term bonds and cash savings totalling £408,000. He also has inherited wealth of £477,000. I have a £5,000 credit card bill and he has a £10,000 credit card bill. Other than that we have no debts outstanding. I have contributed to the marriage only in the purchase of luxury goods (holidays) and furniture and furnishings. All main bills have been paid by my X2b.
I would start at 50/50 minimum of whole pot, the pot includes everything of value of the above you mention -debts, you will both be able to move on and get another property, do not sell your self short 50% is fair. as you say your main part in the marriage was to look after the houseold. Im sure organising lunches and snacks for various things that your hubby may of needed to bring home was just as bigger part in his life to say we leave with equal amounts.
So find out what your pensions are worth to get a sum value then add the above, if you can both do all this without a soliciters costs all the better, forms for divorce are available in resources.