OP, I’m sorry you’ve had a hard time of it with some responses here.
You do need to see a solicitor. They will listen to your full situation, and then give you advice best suited for you.
FWIW, I too had an exH who refused to move out, and refused to make it possible for me to move out. In my case I had been a sahm (initially by agreement, then due to circumstances, then due to exH refusal to step up and contribute to me returning to work) for 14 years. There was no dispute that I would continue to be main caregiver, nor that I would not return to work. I just didn’t have enough money in my name to be able to make the move (with the children), and he would not either enable this or move out himself (more than enough money to do so, he just wouldn’t do either option). Sometimes, people are just arseholes for the sake of it.
Is there enough space in your house to live separately? It isn’t easy, or comfortable, but you may have to just grit your teeth and do this while initiating divorce. It took my exH 18 months to move out, and it was a horrible time.
There are many factors which will influence what you are each entitled to from the marital assets, it isn’t always as straightforward as some posters have made out here. It really does depend on individual circumstances.
Ultimately, you do not have to have agreement from your husband to start divorce proceedings. Find a good solicitor, and then go from there.