Yail - pragmatic and thoughtful as ever . I will take make the changes as you suggest. Yes, I intend to play nice. It is in the best interest of the kids. If I don't play nice, he gets petty. Right now he is doing everything he can to 'charm' me into being agreeable. He even started a lengthy email about separation with "Hey, I've been thinking about ..." (like we're just discussing arrangements to meet up for coffee and not the desolution of 15 years of marriage). I see through you, mister.
Alison - Yes you are right. I can see it now. I am going to keep option 5 but remove reference this is an option I would consider. I will end with 'not feasible'.
In the meantime, he has sent me another email (the one starting "Hey ...") requesting I go seek an interest only mortgage. He argues that this reduces my payments by around 75% freeing him up from having to pay me anything . In fact, as my repayments would be less that what it would cost him to rent a 3 bedroom house in our area, I should put the difference in a bank account for 'essential' maintenance on the house. The b***dy cheek of the man.
I have an appointment with a solicitor on Thursday and I won't be sending any response that doesn't amount to "I am still considering my options" to him until I've run it by a solicitor.