It's a forum I hoped to avoid! - Clean Break advice

Never thought it would come to this after many years of marriage, but would like to know where I stand with a 'Clean Break' fair agreement, if anyone could give me a 'rough' guide of thoughts on a fair settlement:-

Married 20+years.
2 kids - now adults but live at home (both work full time).
Joint ownership family home £550k (£50k left on mortgage).
Joint ownership of several rental properties worth £500k (£330k of mortgages) - Earnings (after mortgages/expenses) on these are approx £15k/year.
Joint bank account savings £15k

Husband
Earns £100k/year
Pension value £500k
Shares value £50k

Wife
Does not work
No Pension
Shares value £15k

Cost of decent 2/3 bed houses in the area are approx £250k

My thoughts on fair 'clean break' settlement are:-
Sell marital home/pay off mortgage £500k (Wife gets £400k/Husband gets £100k)
Wife gets all rental houses which have £170k profit in them & give her an income of £15k/year.
Wife gets joint bank account cash £15k, Husband gets zero.
All other assets Cars/Shares/Pensions are untouched.

Any thoughts appreciated. Thanks in advance...

The pension potentially becomes liquid at 55 for yourself?

So about £580k across pension/shares/accounts
£650k ish in house funds potentially(are any of the rental properties suitable/local for use by either of you?)
Technically with adult children the needs are for a 1 bed each but as it looks like funds available it's up to you both what standard you aim for on a "wants" basis instead.

I'd say the biggest issue would be the £100k vs £15k income to run the respective households and future pension provisions if none is passed over whilst you can still contribute a substantial amount for a few years. Would your ex-wife be able to obtain further income through work or any mitigating factors stopping her that aren't referenced?

Others may view differently but I'd say the initial proposal looks biased towards yourself maybe but maybe others wouldn't

Rickoshea,

Thankyou for the prompt reply.

In answer to your questions:-
No, the rental houses are local but tenanted at the minute, plus neither of us would really want to live in them.

I was planning on retiring in a couple of years, so would lose the big earnings then and would only have my pension to provide a steady income.

Again, appreciate any feedback…