Hi,
Just read your message,and had to drop you a line, not because I am able to offer much assistance really, but to let u know I am in a somewhat similar position as yourself.
I am divorcing my husband, who has been working in China for several years and who has also set up home with a local woman. I have 2 children living with me in the family home, although grown, and I am not working, although I hope to return to work soon.
We have a similar amount outstanding on the mortgage to yourself and house value, and our savings - he has managed to hide in his name only in offshore accounts etc.
My own divorce is now well under way, despite his refusal to co-operate for a long time. We are at the stage where I have submitted my own
form E and he is in the process of doing the same (which we await with interest !!!)
I simply don't know how this all will pan out in the future, but I am certainly more optimistic of a receiving a larger split in the house equity than 50%, bearing in mind his income, earning capacity plus the fact his living accommodation, car etc. is provided for him, you should also bear this in mind along with the fact your children are resident with you. The credit card balances will be taken into account, as indeed will the amount of deposit you paid on the house. Are the credit cards in joint names by the way?
If you've not yet seen a solicitor, make an appointment with one who offers a free 1st consultation, many do. A lot of your concerns, e.g. can heforce the sale of the house? can be covered during that free consultation.
I know this may not be of much help to you, but when my own marriage started to all apart, I believed my own situation was unique and felt quite desperate and frustrated at what I believed to be an impossible scenario, given the China "issue". In fact, you may be surprised at how many divorces/separations are handled by solicitors in the UK when one partner resides overseas, I was!. (Realise you aren't actually married but the financial issues will be handled the same way as if you were, given the length of your partnrship, your children together etc.)
It hasn't turned out to be that way at all however, not yet at least! So if there is anything at all I may be able to help with, (and perhaps as my own financial settlement gathers momentum, I may be in a position to offer a small piece of helpful advice at some point, you never know), please don't hesitate to ask, I can certainly empathise with your predicament just now!
Kind regards
Alex