Separating and don’t know where to start

[0ut0fmydepth]

DH and I are separating after 20 odd years together, 3 DCs. All amicable and no concerns about co parenting etc. Own home with mortgage, around 80/90k equity I think, fixed term ends at the end of 2022, around 3.5k penalty at the moment
He’s open to selling the house and buying separately or me staying and him renting (he’s less keen on this but will do it if it’s best for DC). I’m not sure I want to stay and would like a fresh start and proper split of finances I think.
Both work FT but him longer hours and higher earner so he would have kids EOW and maybe 1 day in the week and will pay maintenance appropriately
We owe around 22k on loans used for home improvement and monthly repayments on these are very high. Without them I think I could get a reasonable mortgage - if maintenance was taken into account- but with them I doubt I’d get one big enough. Could pay them off with proceeds from sale and then apply but would have no where to live.
Really confused and don’t know where to start!
What are the chances of me getting a mortgage on my own?

There are several variable to consider. I suggest Finding a mortgage broker

basic mortgage is x 3 of your salary. Some will take into account child support but that depends on the age of the children. Also your age. The amount you want to borrow and over what period.

Speak to some one Independently. They will be able to give you an idea

No-one can answer that as the two most important figures are missing: the outstanding mortgage on the house and your salary!

Though there are other important figures too, like what equity split you’re likely to do - but I guess that can be flexible to get the best housing outcome for all.

Very few lenders will take maintenance into account… but there were a couple last time I was talking to someone about this a few years back. You need a whole of market broker, as @unicornsarereal72 said.

There are lots of options - consolidating the loan, paying off the loan, delaying the payment of equity share to your husband until the kids are 18… all sorts of possibilities. But the basic start point is: how much do you earn, and how much do you want to borrow?