Thank you for your question
My name is Clare
I shall do my best to help you but I need some further information first
Are you already holding the property as Tenants in Common?
Do you know if you and your husband agreed to hold the property as "joint tenants" or as "Tenants in Common" - the first is where the survivor takes it all - the second is where you each have your own share?
It is not about the mortgage - it is about whether you agreed that you would each own a specific "share" of the property or not.
The fact that you are not certain suggests that you own the property and Joint tenants - which means that the property passes to the survivor of you automatically outside of any Will.
This means that if you do wish to give your half of the property to your daughter in your Will then you will need to "Sever the Joint Tenancy" first
Unfortunately this can only be done with your ex's knowledge
You can read more here
If the Tnenacy is severed then you can certainly leave it to whomsoever you wish in your Will
I hope that this is of assistance - please ask if you need further details