Hello and thanks for your question.
Until a divorce petition has been filed at court, the court has no powers to make any orders regarding money or property - and even then, only after one person has applied to court and the court has considered everything in detail. So that means that your husband cannot get access to any bank account or property in your sole name at present - but neither can you get any monies or share of any property that is in his sole name
you do it by agreement.
You could negotiate an agreement either between yourselves or via solicitors' correspondence or via mediation - which is cheaper than going to a solicitor.
Here's where to find a family mediator near to you:
Any negotiation woudl need to be on the same basis that a court would decide the issue, or you risk the agreement being overturned by the court if one perosn applies to court at a later date.
The house wouldn't be considered on its own, but as part of the overall total of matrimonial assets, which are everything owned by you, everything owned by your husband, and everything you own jointly.
If you'd like me to go into more detail, then please let me know the following:
How much is the house worth and how much will the total mortage be? What percentage share of the property will your mother own?
With regard to the house you lived in as man & wife, how much is that worth, and how much is the total mortgage outstanding?
What other assets and debts are there?
How much income do you each have from all sources?
If you have any dependent children, who has the day to day care of them?
I hope this helps and I wish you the best of luck.
Thanks and best wishes...