Cutting financial ties with ex-husband

[Cutthecord]

I'm hoping somebody on here can help me.
My ex-husband and I have a joint mortgage for the house I still live in. We separated over a year ago. I plan on throwing quite a lot of money into the mortgage to get the monthly payments lower.
Will my ex-husband benefit from that further down the line? Or will it be recorded that I made the big payment by myself and therefore he can't have a share of that? This is for Scotland, UK.

Surely you need to get divorced first ?

and have all the financial matters dealt with before the divorce is finalised.

His financial situation is dodgy and there are a few things we need to deal with before we can get a divorce and financial freedom from each other. But the mortgage renews in a few months and I wanted to take the opportunity to reduce my monthly outgoings. But not if me putting money into the mortgage is considered further down the line, making him eligible for more than he is supposed to be?

It's a bad idea. Your extra payments won't be taken into consideration.
Get an agreement on the financials beforehand and have it put in a consent order.

The mortgage renewal will be in joint names unless you manage to arrange a transfer of equity at the same time ie you buy him out of his share of the house. A bank won't let you have a sole mortgage on a property registered in two names. What are your plans for the house as part of the divorce?

As it's a joint mortgage, you both benefit from any overpayment you make. It reduces the joint liability and increases the joint equity, regardless of the fact he's not living there.

I'm not sure of the law in Scotland, but in England, divorce doesn't automatically mean financial freedom. You need a consent order that in essence states the financial settlement reached on divorce is it, and you can't go after each others homes, assets or pensions at a later date. That's costing me £1500 but I'm preferring to have the certainty, especially as my inheritance potential is much higher than his.