hesitant in mortgage transfer

Hi Members,
I am in a dilemma, I currently have a joint mortgage with my wife and have had the mortgage for 15 yrs.
last year our marriage was going through some difficulties and we separated for 6 months but now back together living in the same house,
I started my own business in march this yr. and have looked at re-mortgaging to reduce the monthly payments, however we have approached various banks and they are stating that due to me not having an income I am classed as a dependant and therefore will only mortgage the house in my wife's name which means I will have to transfer all the house including my equity.
my fear is that if we encounter marital issues in the future which are not resolvable, that I may lose everything.
please can you advise me on any legal documents that can be draughted up to protect my investment for the last 15 years? or at least some advice.

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