Chances with hsbc

Sapphire.

-salary 56k
-age 27
-purchase price 220k
-25% deposit from sale previous flat
-banked with hsbc for 15 years, main current account there
-clean credit history except one late payment on barclaycard 4 years ago
-continuous employment for 5 years
-married but husband not part of application, like to keep finances sep
-no children or debts other than 9k student loan balance

Thrugelmir

married but husband not part of application, like to keep finances sep

Assume he'll be living in the property though.

Also he may regarded as a dependent even if he's not named on the mortgage.

Lenders will always question the motives. As there's distinct disadvantages to not being named on the mortgage.

Sapphire.

So it's not possible for one person to get a mortgage without their spouse named?

He will be living there, yes.

ethank

You are likely to credit score higher as a married person joint on the mortgage.

He will have to sign a document saying he has no interest in the property.