Mortgage solely in husband's name.

Mnd

If you are, in effect, buying a house together, offering to pay half the deposit, surely you as a partnership should lay all your cards (no pun intended) on the table and make him aware of your credit card problems.
Sort it all out now properly and avoid any situations later

mailmannz

Speak to a mortgage broker about the best way of doing this.

Its not criminal to avoid paying tax. It is a criminal act to evade paying tax BUT this isn't evasion as the Government isn't owed a penny as the purchase is solely in the name of your husband.

You aren't the first person to look at doing their mortgage like this and you most certainly won't be the last person to want to do this (and do this!).

Mailman