I think, overall, it doesn't change much within the home or without to strangers. That's kind of the point, really.
But there are certain words that... fit better either way.
Here, it depends on the couple. I call most women "dear" or "love", and most men "buddy" or "b'y". If they're elderly, then "skipper" for a man.
In a relationship, could be anything... "ducky", "me ol' cock", etc. But usually just "buddy" or "b'y" still. I've never dated a "skipper".
So dunno there.
For straight people, "maid" and "pet" used to be pretty common for a man to say to a woman, but that's faded for obvious reasons.
"Missus" and "woman" are still very common in a teasing way; but if it's to a stranger, then it's normal and not teasing.
"Girl" is really common too, though mostly between women (not lesbians, but friends). But you do hear guys call their girlfriends that as well.
And if you want to use a local variant of calling your lover "sexy", it's:
(We write a instead of o', but it means o').