Cohabitating and mortgage payments

My stbx and I are cohabitating and have already applied for the divorce. We are currently waiting to apply for the conditional order.

We have a joint mortgage on the property we live in, no children, more or less equal finances. We verbally agreed on a 50/50 split. The property is on the market and eventually we will both get a good amount of money from it.

Since the breakup in November 2024 my ex is refusing to contribute anything towards the mortgage or bills, leaving me with a hughe financial burden each month. Missing the mortgage payments would obviously have a bad impact on both of our credit ratings and would make it difficult to get another mortgage in the future, so I'm trying whatever I can to make the payments.

My ex can certainly afford to pay her share or at the very least contribute something, but whenever I ask she just keeps fobbing me off. At this stage it could be many months until the property is sold and I don't think I can keep up with making the payments on my own for much longer.

Do I have any legal recourse to claim money for mortgage and/or bills from her at a later date?
If so, is this something that can be part of the Consent Order?

Any advice would be greatly appreciated 🙏

What was the status quo regarding bills before?
Presumably you are living separate lives regarding meals, doing laundry etc?
You could build it into a consent order but it would make it more complicated and would she agree? Easier to decide now how to split the bills.
Have you looked into a payment holiday or other support from your lender?