Hello, My husband and I are looking at buying our first home. A great opportunity has come up to purchase a house we love, in our home town at a good price. We both have good stable jobs but we have basically no deposit so would be looking at a guarantor loan or perhaps a 5% deposit (gifted). The other problem is that I have quite bad credit history so we would like to borrow just in my husbands name but the larger banks seem to include my expenses with my husbands even though I make enough money to cover my own expenses. Are there any lenders that do not include a working spouse as a dependent? Thank you for you assistance. If we are crazy thinking this is possible feel free to let me know!