How do u arrange things when separating?

[L0stinCyberspace]

I think I have to separate with DH, sexless marriage, he won't get counselling, and I feel dead. Young teen DS.

I just can't work out how things can be organised financially. Definitely I'll need to see a solicitor but can any of u give me an idea of how things work out?

DH earns about 80k, I only earn 22k as I work half time due to a long term illness. We still owe 150k mortgage on our house, worth 490k. Even 1 bed apartments cost 250k. How can this be handled?

You haven't mentioned pensions. Don't forget about them.
Also think of it as both starting afresh on an equal footing.
350k equity. Take off selling costs. Do the math to find what mortgage/slice of the equity you'd each need to buy an equal size flat or house (including buying costs).
It's a good exercise.

You need to negotiate and if he won't negotiate in a way that's acceptable to you, you'll need to get a solicitor or at least go to a mediator.

Will your son be principally under your care? If so, you start at higher than a 50/50 split given your lower income and need to care for your child, plus you work out child maintenance - there are online calculators to give you guidance around the numbers.

340k equity is healthy. There are all sorts of things you could do. You could let him keep more pension in return for you getting more equity, for example. For example, if you kept 60% of the equity, that would be 204K - and you could get a mortgage for 80K, say.. or you could just rent until you've figured things out.