Buying and selling property as you know has hidden costs which can run into thousands. It's certainly not something you would want to do on a regular basis unless you have pots of money.
You have many different issues with your situation which makes this more difficult to make a decision on for you.
The reality of splitting with your husband of many years may not be as you envisage.
As a couple we share cost in running our homes and have someone to share our lives with.
This doesn't mean you have to be madly in love that person to share a home with them.
You could still live separate lives but share a home and this would be much less expensive than tying to purchase a property on your own.
I have a friend who is divorced but her x still shares the same property because they couldn't afford to live separately.
If you still linger for the home by the sea, check out the 50% mortgage share deals you can get with some companies and work out if you could manage the outgoings.
You could also buy a property with someone else you know.
Rent a property.
Register yourself on the council housing list.
Go back to work, you are still young enough to get work, this may give you more funds to put down on a property.
If you decide to stay with hubby agreeing on the place to live that's another thing.
Would you consider not permanently moving to the sea but renting for a few months a year, say living in a static caravan for the summer. You may receive a good deal if you rent for 4 month say.
You really do need to have a heart to heart talk with hubby and try to come to a compromise.
It may be also because of the deaths in your family and the accident you are wanting a new start to try and put this all behind you. When people die who we love we look to a better life before it is too late for ourselves.
Best of luck
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