Thanks for explaining more about what's happening. It's tricky because you can't make him seek help, he has to want help and be ready to receive it. It's not uncommon for people like your hubby to feel stuck and find it hard to move forward with treatment.
Given his diagnosis, your knowledge and confirmation of his illnesses and his behaviour which is consistent with depression and anxiety, I think I'd give him the benefit of the doubt.
That unfortunately puts the ball back in your court. It seems like you're not going to be able to change the situation, at least in the short term. Can you accept this?
If you can, you will need a lot of patience and understanding. Hubby needs support, love and acceptance. So do you.
Caring for someone with a mental health condition, working and being a mum is tough, and I know because I do it, too. You really need to look after yourself and we can talk more about that if you want.
Perhaps you would feel less stressed if you could reduce your living expenses, so you don't run up debt. Is this possible? Do you have a good financial advisor?
Maybe also try to get help for hubby through ndis. Perhaps look at his insurance policy to see if there is any way to claim for disability. You can apply for the carer allowance.
I'm hoping if you can buy some time financially, you might be able to persuade hubby to engage with a psychologist/doctor in the meantime.
It's not easy but life can get better for all of you.
Kind thoughts to you