divorce. feeling trapped

[epic78]

So I am no longer happy and want out of our marriage.
Have started researching financial side.
(D) h earns enough to mean maintenance pymts would cover mortgage if I were to keep house. Me and 3 dc would than have to cover everything else on benefits initially. (Assuming we could keep house)
However existing lender would not lend me even half outstanding mortgage according to calculator.
Other issue is division of assets.. we have maybe 10 k in savings in my name.
House equity maye 150k
Dh has been paying 300 into a pension
My pension has been frozen for last 10 years.
Dh has endownments which were taken out before we wed but has been paying into during our 14 years of marriage. Realistically worth about 40k.
Is there any way out apart from selling house?
Plus if we sell house me and dc could never afford to buy again.
Sorry just feeling so fed up so rambling abit.
Originally I thought a fair split would be.
Me house equity.
Dh endowments but most of his pension.
However, with mortgage issue just can't see that happening.
Any advice appreciated.
Thank you.
Any advice appreciated.
Originally I thought I get house. He gets most of his pendion and endowments but I can't see that happening now due to mortgage issues.

Sorry end bit went wrong. Typing on a tablet.

300 per month into pension

Would your husband agree to paying mortgage until your youngest is 18 in lieu of maintenance. Then you would sell house when child is 18 and split equity 50/50?

150k versus 40 k is way in your favour tbh so very unlikely unless your stbx agrees. Even if you add in the savings in your name it makes it 3x more to you.

I was also thinking about the pension contributions too 300 pm even over the 14 years of marriage alone is almost another 40 k but I take your point probably loaded in my favour.
Don, t think he would agree to staying on mortgage as I am guess that would prevent him from applying for another mortgage.
Thank you for your replies.

Pensions aren't counted £ for £ either as they are not immediately accesible. First stop, go & see your current mortgage company to see if you can take over the mortgage _ I was able to with some money paid off my my p & gp's because I had a fair amount of equity & they did count things like tax credits, cb & maintenance although didn't use thatlast onewhen I applied for mortgage.

Have you spoken to him about what he wants or thinks fair?

They are not counted pound for pound but if you add the pension to the savings/endowments then that is a more equitable split.

A lot depends on who is deemed to have the greater need and where the children will live.

A 70:30 split is not unreasonable in a case where you have a far lower earning capacity and have the majority care of the children.

Yep I am a sahm and have been for the last 10 years. My salary before dc was about a third of dhs so my earning capCity much less.
Thank you for replies.

How old are your children? Could you not get a job and pay your own way?

9 6 and 1 so still young.