If we split, the lovely house we share would have to be sold, and as in so many cases, we would both be worse off.
What to do ?
It’s unfair. That was (still is) one of my own biggest problems in coming to acceptance of what happened – if I left, both our lives would become materially poorer; if I stayed, then I was married to a liar and a loser, in what was essentially a psychologically abusive situation. I just hated the unfairness of it. Why should the BS bear the consequences?
Possibly, losing the house will be the outcome. But look at it this way – if you don’t draw a line, you will be the only one suffering. If you do draw the line, you spread the suffering out more fairly – you will both lose the house, but at least you will not be living with someone who abuses your trust and disrespects you.
I know you are just at the beginning of this process, but there are some folks here who got to the point where they were glad to be rid of the old home and its painful memories, and found a new place on their own that was perfect for them.
Having thought out the “worst case scenario,” I suggest to you that at the moment you are the only one thinking out the possible consequences of the situation. Your WW is in an affair, which means she is not thinking logically about consequences at all.
Oftentimes, just bringing home to the WS that there are consequences, by exposing the A and putting divorce proceedings in motion, brings a bit of a reality check. Waywards are living in a bubble, where they have all the ego kibbles from the AP, but still think they can have the support and comforts of home with you.
I am in agreement with blindsided14. Put whatever documentation you have of the A in a safe place, if that is relevant to divorce proceedings in the UK. If you need some confirmation, hire a Private Investigator – money well spent. Locate and secure all important documents such as financial documents, passports. See a lawyer – you may not follow through in the end, but knowledge is power. Move half of any joint accounts into your own account. Then sit her down and have “the talk.” Tell her you have every indication she is still in an A, and you will not live that way. You will not keep her secret, you do not want to pay for her A, you do not want to live with a liar, and you have seen a lawyer. Ask her if she is prepared to lose the house for her AP. Do not let her blameshift or lie – just quietly reiterate how it is going to be, and then follow through. When her safe little world begins to crumble, she may see the light. Many waywards do, many do not. Either way, you will feel stronger once you take back some control.
If you are still not at the point you feel you can do this, keep reading here and see an IC yourself. I think you will see from all the stories here that eventually this is the choice each one of us had to make – there comes a point where living like this is not worth any amount of material security; you just want to be free of the craziness.