Get your house valued, in my experience any house well sell at the right price and, if you have put £40K into it,it will have more value than when you bought it. Next time your OH suggests he would rather burn down the house than you get a penny, then tell him to go ahead -kill two birds with one stone: He will go to jail for arson and you will get all the Insurance money. If this is too drastic, with maybe a chance or reconciliation, lay down the law about finances -yes its ok for him to have his own savings -both OH and I have private money, but make sure he knows that basic wages go into a joint account to pay Bills and overtime goes in Private (unless you choose to buy something for the home). make it clear that if you go on holiday its either taken out of the joint account or 50/50 out of your private money. He sounds like he has a Narcissistic personality disorder . Frankly I can't believe why you put up with it, its so easy to get out of bad marriage these days especially when you have a good job .