I doubt that in this case moving out woul be a problem in terms of asset splitting. What you do need to think about is how you would afford it. Would whoever stays in the FMH pay the mortgage etc? Or would you continue to share the costs so whoever moves out also pays rent etc.
It would be sensible to disentangle your joint finances.
If you don''t think the marriage is salvagable, it may be an idea to divorce and sort finances sooner rather than later. You can use the mildest possible UB grounds that you agree between you and use mediators to help you reach a financial settlement.
At this stage what we said was that for the time ebing all money would continue to go into and come out of the joint account - so the mortgage for the house and the rent for wherever one of us move into would both be paid jointly.
Another question I have is that whilst it''s being paid jointly I could afford more than I could afford if I''m living purely on my own income.
If I do decide to move out should I go for what we can afford jointly or should I go for what I could afford on my own - does it make a difference long term?
I''m not a financial or legal expert but I really would advise that you stay put and file for Divorce quickly and then get Consent Order for the Financial side before doing anything else.If you are able to reach a financial settlement amicably it could all be sorted out in a few months and then you would know exactly where you stand.
If you do rent I think it would be advisable to only rent what you can afford to pay so that you can stay there after the divorce if necessary.That way you won''t have finacial stress on top of everything else unless you are expecting and have agreed upon SM?
But I would still say stay put and tough it out for a couple of months.Look at the Wikivorce Divorce/Financial package.If you can sort things out between yourselves this is an easy,affordable way to do things.