I'm married and have 2 children. I'm a high earning permanent public servant. We live in a house my husband bought before we met. I'm not on deeds or mortgage. He's self employed and has had no income in 2 years. I have found my dream home, but all the banks are telling me that I must also include my husband on application. Aib's affordability calculator is ridiculous too. I have a third of house price saved. Is there anyway around this? Should I start looking at buy to let as an option? All suggestions welcome.