If you are separating or already separated and you own your property as joint tenants (see posts on 9th, 16th and 20th November), you need to think what will happen if you die while you still own the property.  In a few months' time, when you have reached agreement on financial matters, something will happen to the property - it will be sold, or transferred to one of you, or you may even go on owning it jointly on agreed terms such as who lives in it, who is going to pay the mortgage, insure ...
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