Hi DeeDee30,
Sorry to hear about your predicament. Basically when you sign any mortgage with a bank, you are agreeing to be liable both jointly and severally, which unfortunately means that you, individually, are liable for the whole amount if the other doesn't pay. Likewise your hunsband is also liable for the whole amount if you do not pay.
This protects the bank in case of this exact scenario.
There is some small good news, in that when the property is sold normally the proceeds are split 50-50. However, this is only a starting point and the courts will amend this split according to who has paid more to the property - both directly (mortgage payments, bills etc) and indirectly (looking after kids etc). So, when the house is sold, the fact that you have been paying the mortgage soley, will be taken into account and you will get more of a percentage of the equity.
There is another option of going to court to force a sale to you, but this may be costly.
Also, you can never do anything to the property (re-mortgage or sale) without his consent, or an application to court to dispense with the need for this consent.
Sorry it couldn't be better news. Main thing is keep paying the mortgage or enter into an arrangement if it is getting too tough. Keep talking to the bank.