Can l keep my house?

BenMurAya

We bought a house in 2021 and in 2023 we want to separate. My wife want to sell the house due to separation and because she can't afford to pay all her debts and mortgage on her own, hence why she want to sell.
I'm on sick leave due to all this situation (at work, at home, with debts...) and not sure what could be my rights. I don't want to leave the house. I could keep paying my part of the mortgage but l can't afford to pay council tax, bills and debts on my own either. Is it the best option to sell, pay the fee for ending mortgage arrangements early and take any possible profit to pay debts? What should l do if l can't keep my current job due to my sickness? Any chance government could help me to pay the house and when l sell it give them back?
Also, my ex want to take my children out of the country which in some way she think is better for kids to stay with her for me to recover mentally but l don't know if l could live without my kids. Also she think better future for kids in other country. 
I suggested her we need legal advise with all of this process but she doesn't want to talk. She think better for her, selling the house, better option she said.
Which options do we/l have?
Thanks

caprikid1

"Any chance government could help me to pay the house and when l sell it give them back?"

Not an option.

You need to sell and move on, you cannot afford it on your own, quite simple. Bitter pill to swallow but no real way out.

Only other option is whether lodger or two would bridge the gap.

FreeBear

caprikid1 said: Only other option is whether lodger or two would bridge the gap.

Using the Rent a Room scheme would give you £7,500 per year tax free under the current rules. Over £7.5K, and you'd have to pay tax. You'd also lose your single person discount on council tax and have higher energy bills.

Having more than one lodger stores up issues when you come to sell - There may well be a capital gains tax liability as a result. Coupled with changes in the CGT rules, the bill could be quite nasty.

EssexHebridean

If there is a marital home and children involved, I really can't urge you strongly enough to seek legal advice on your situation. A reasonably amicable split with no children might be OK to try to DIY, but yours is not sounding like it ticks that box!