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Thank you for your question
My name is Clare
I shall do my best to help you but I need some further information first.
Are there any children involved?
Yes those details were missed.
How much is the house worth and how much is outstanding on the mortgage?
What income do you each have?
has your wife said she considers the marriage to be at an end?
Given that fact what is it that you wish to achieve?
What are her alternative accommodation options?
How much does a cheaper three bedroom property in the same school area cost to buy?
How much does a three bedroom property in the same school area cost to buy - this is important
In fact your wife would NOT be entitled to Housing Benefit other than for a limited period as the Local Authority would expect her to take the necessary court action to allow her to return to the matrimonial home - or to secure a sale so that she can pay her own housing costs.
In addition since the housing needs of the children are the priority for the court if she takes advice your wife will be told that you cannot force a sale of the property until the youngest child is 18 - and that at that point she is likely to receive 60% of the equity.
Notwithstanding all that the simple fact is that AT PRESENT there is nothing to prevent you from returning peacefully to the property and you are free to do so if you wish.
I would suggest doing so whilst she is out to avoid a doorstep confrontation
Please ask if you need further details
Be aware that if she seeks advice and applies for an order there is no way that you will get to remain - this may be a time when Mediation woudl achieve a better long term result