My ex husband and I seperated a year ago. We have a property together, but unfortunately I am on a single parent pension so am not in a position to buy him out, (we are still living in the same house since the separation). We have a shared equity loan with the Government, initial loan was $290k, of our 60% (174k) we have 110k, the house is now valued at 380k. Can anyone please help me with my options? I know I can sell - which I think I'm then entitled to 50% of what's left after govt takes their 40% from the property settlement. Or he says he can refinance the mortgage which would still leave the same outcome for me? Are they my only options? We have 3 children together and I am the main carer. Any help would be appreciated. Thank you.