That will depend upon a number of factors such as the length of time you have been married, the amount you have contributed to the household since your marriage, your wife's personal financial position and the intention you both had of how to deal with the property and also whether she has benefitted from any of your borrowings.
It's a complex area, and you are better off taking advice directly from a suitably qualified insolvency lawyer.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com