I have to admit rather ruefully that I am not sure what you mean by ' on line divorce ' . There are some firms who will offer legal services, such as drafting the petition, serving it and assisting with the completion of forms, on the Internet. I have no personal experience of them, and don't know how good they are, but perhaps they might be useful if there are few complicating factors, the finances are relatively straightforward and so on. For a divorce where there are difficulties, I would have thought they were less suitable.
So looking at your situation, the obvious question is what happens to your house. A Court will ask itself the question as to where both of you are going to live after a split. If your husband finds and secures rented accommodation, then he has answered half of the question for them, so that all the Court needs to worry about is you.
I'm afraid, ma'am, that there is insufficient information in your letter to give you more than general advice. The obvious question is, whether it is possible for you to continue to live in your present home, and that depends on a number of things, including your income, and what share each of you has in the house. That could depend on factors like to the length of the marriage, who paid for the deposit, who has been paying the mortgage, and so on.
You say you are having the house valued shortly, and you know more or less what you owe on the mortgage. I think the likelihood is that, with a marriage of any length, with no children involved ( the pussies don't count, I regret to say !! ) the Courts would tend to go for a 50/50 split, but there might be reasons why a Court might award a larger share to one or the other of you. One of those factors might be your own need for accommodation.
You don't mention earnings, so I can't judge whether spousal maintenance is an issue in your case. Nor do you mention pensions - it would be useful to know ; you might, for example, be able to offer a ' trade off ' of getting a larger share in the home in exchange for leaving his pension alone.
As to possessions, well yes, make a list of what there is, get your husband to agree it as factually correct, and see if you can decide between you who gets what.
As to changing the locks - well, strictly, he has the right to enter the house if he owns it, even jointly with someone else. That right can be restricted or taken away altogether by a Court in certain circumstances.
But if he gets this house, you are effectively separated, and personally I would try to get him to agree that he will only come to the house by prior appointment. But you know your husband better than I do, and I can't judge how he might react to any attempt to restrict his access.
As to sorting out the finances , this is normally done as part of the divorce process, and you need to consider - like NOW - whether you might have any claims against him. The ideal situation is a ' Clean Break
' when both of you go your separate ways, and neither can make any further claim against the other. You have to do this as part of the divorce, in my opinion - you risk prejudicing your rights if you let things go by default.
I think this is probably enough for one post. The problem is, I don't know enough. If you consult a solicitor, you will be told - and correctly - that it i not possible to advise without full details of the financial situation of both parties. I'm afraid, ma'am, this is correct advice, and if a solicitor can't, neither can I. You should not act on the advice in this or any other post without checking out the advice with someone qualified to give it.
With every good wish