The Family Home
For many couples, the family home is one of their largest financial assets.
Common questions include:
- Will the property need to be sold?
- Can one spouse remain in the home?
- Can ownership be transferred?
- Who will continue paying the mortgage?
- What happens if only one spouse owns the property?
- How will children’s housing needs be considered?
There is no single automatic outcome applying to every divorce.
Possible arrangements may include:
- Selling the property
- Transferring ownership
- Refinancing
- One spouse remaining in the home
- Considering its value alongside pensions or other assets
Our St Asaph divorce solicitors can advise on the family home within the wider financial settlement.
Savings and Investments
Relevant financial assets may include:
- Bank savings
- ISAs
- Shares
- Bonds
- Investment funds
- Managed portfolios
- Employee share arrangements
- Other investments
Full and accurate financial disclosure can help establish the overall financial position before negotiations progress
Pensions
Pensions can represent a substantial part of family wealth, particularly following a longer marriage.
Relevant pension arrangements may include:
- Workplace pensions
- Personal pensions
- Defined benefit schemes
- Defined contribution schemes
- Public-sector pensions
- Executive pensions
- Other retirement benefits
Pensions should not be overlooked simply because they cannot currently be accessed.
Where arrangements are valuable or complex, specialist pension or actuarial advice may sometimes be appropriate.
Business Assets
A divorce settlement can become more complicated where one or both spouses own a company, operate a business, hold shares or receive income through a corporate structure.
Relevant matters may include:
- Limited companies
- Partnerships
- Owner-managed businesses
- Technology businesses
- Company shares
- Commercial premises
- Director remuneration
- Dividends
- Retained profits
- Intellectual property
- Business valuations
St Asaph has a particularly distinctive knowledge-economy presence through St Asaph Business Park. Denbighshire County Council’s current 2025–2035 economic strategy identifies the park’s optics and photonics cluster, centred around Wrexham University’s OpTIC Technology Centre, as one of the county’s key knowledge-economy assets. The council is also exploring an Innovation Zone to support technology-led growth.
This can make issues such as company ownership, shareholdings, intellectual property, business valuation and director income relevant in some local divorce cases.
Where business value or income is disputed, independent accountancy or valuation evidence may sometimes be appropriate.
Spousal Maintenance
Some financial settlements involve ongoing support from one former spouse to another.
Whether maintenance is appropriate depends on individual circumstances, including:
- Income
- Financial needs
- Earning capacity
- Housing requirements
- Other available resources
- The overall settlement
Our solicitors can explain how maintenance may fit within your wider financial arrangements.
Consent Orders
Where separating spouses agree how finances should be divided, a consent order can provide greater legal certainty.
A consent order can address:
- Property
- Pensions
- Savings
- Investments
- Maintenance
The court must approve the order before it becomes legally binding. It cannot approve the consent order before the conditional order, and the consent order takes effect after the final order.