Remortgaging on one married person's finances

StellaCart

Myself and husband have three fixed rate interest only mortgages with Nationwide.  Two of them are coming to the end of their terms on 30/11. We spoke to an advisor yesterday who turned down our application for a repayment mortgage.
I (the wife) have a good credit rating of 477, no debt aside from the mortgages, and a steady well paid job. My husband has changed jobs several times and has a large amount of debt. Currently he is on a fixed term contract which he has been in for 4 months.
Despite the fact that I've been paying the mortgage and household bills myself for 10 years, because my husband is on the title deeds with me, Nationwide (and quite likely other providers) insist on including him in the affordability assessment.  Not only that, but because he's on a fixed term contract, they won't take his wages into account although they wanted to include his debt.   
I would get his name removed from the title deeds but there's no guarantee they'd exclude him from the affordability assessment even then, because we would still be married and he would still be living in the house. 
Can anyone offer any advice on what I can do? 

dimbo61

So what happens at the end of the term ? 
Has your lender been in touch ?
How are you going to clear the capital ?
Do you own just one property but with 3 IO parts at different rates and terms ?
When does the last part of the IO mortgage finish ?
Your lender may extend the time period before you need to repay the debt but this depends on age, income etc

StellaCart

One property with 3 separate mortgages for different amounts.  The third is also fixed rate and interest only and the fixed rate period ends in just over a year.  I've saved some money (not loads, admittedly) which would go towards the capital, however that is my main reason for going on to a repayment.
I am 46, my husband is 59 (another reason for them to only look at me when calculating a remortgage).

Thrugelmir

Does your husband have any access to a pension income yet? 

StellaCart

Nope.  He has a pension at his current employer but as it's contract work he's only been paying into it for 4 months (and the contract is only for 11 months in total). 

dimbo61

Your only 46 and could carry on working for another 20+ years.
Start making overpayments on the IO mortgage with the highest interest rate.
Regular overpayments every month when you get paid.
If you can't afford to do this you need to look at sheltered accommodation in a few years or downgrading to a smaller cheaper property.

Thrugelmir

You need to sit down and get a grip of your finances. More of a planning exercise than just the mortgage accounts alone. Given the contract nature of your husbands employment and debt. 

StellaCart

My finances are planned to a penny and I can afford to pay the mortgage by myself, my husband's finances shouldn't factor in at all (all his debt is in his name and are not secured against the house).  If I were a single person I would be doing exactly the same thing, but I'm not divorcing my husband just so I can remortgage! However, we are trying another company on Saturday so maybe they can help.