Ok - thanks for the information.
In that case, until a divorce petition has been filed at court, the court has no powers to make any orders regarding money or property. So that means that your husband cannot get access to a bank account in your sole name - 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:
If you'd like me to go into more detail, please let me know:
How much is the house worth and how much is outstanding on the mortgage?
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?