at the tone that ihatethedailymail has taken on this thread. £7k is £7k. I agree that it is entirely possible to do a divorce without taking any specific legal advice, especially given there are no children in the equation. In fact I didn't take legal advice during my own divorce, but I was very strongly advised that I really ought to be.
In terms of whether the OP's name is on the mortgage, presumably it is, but in the event that it isn't, this would make a difference. When I came off our mortgage in order that XH could remortgage in his own name, I was told by a solicitor (who had to co-sign the document) that by not being on the mortgage and the deeds of the house I would be forfitting my right to remain in the marital home. Obviously the OP and her H may well come to an agreement re a settlement, but if the DH is slow to act in general, then OP may well struggle to get the house sold or the equity value paid to her without legal assistance. And the divorce won't be signed off until there is a clear consent order in place.
In terms of remaining under the same roof, me and my ex did so for nine months while I waited for my house to come through. We also had DS to consider and were in fact relatively amicable during that time. and I still cooked etc as I was cooking for DS and me anyway. But it was hard, because as a PP said, it made it harder to move forward. If there are still feelings at play and there has been no specific falling out then it will IMO be even harder. And tbh, given that there has been no particular falling out I would say that it's likely that there will come a point where cohabiting for convenience will lead to more on occasion and that OP and her H may well end up in bed together which will just confuse issues and open up emotions which OP is trying not to allow to surface.
Fwiw I never slept with my eXH after we split, but I know several people who have slept with their ex's again while living under the same roof, even if just after an emotional talk for instance - or a few drinks. Don't discount it as a possibility, and protect yourself against it.