Shares

This is a good idea in principle.

Do you have children? If yes and your ex needs a greater share of liquid capital to house them then I can't see how it would be accepted though.

Hadenoughnow

Yes, we do have children. Just to clarify the scenario:

1. Ex will get all the capital from the marital home to rehouse. This will buy a smaller house outright.

2. I get the investments and savings for a deposit and I have to maximise my mortgage capacity.

3. Inaccessible assets such as pension, vesting shares and property interests are still on the table.

Currently the liquid assets are split 80/20 in my ex's favour.

If the vesting shares are added to my side of the balance sheet and I trade a chunk of my pension then I take a huge risk and she does not. She is guaranteed the funds and mine are subject to all sorts of variables.

Yes, we do have children. Just to clarify the scenario:

1. Ex will get all the capital from the marital home to rehouse. This will buy a smaller house outright.

2. I get the investments and savings for a deposit and I have to maximise my mortgage capacity.

3. Inaccessible assets such as pension, vesting shares and property interests are still on the table.

Currently the liquid assets are split 80/20 in my ex's favour.

If the vesting shares are added to my side of the balance sheet and I trade a chunk of my pension then I take a huge risk and she does not. She is guaranteed the funds and mine are subject to all sorts of variables.