Natwest montage application single application when married

kellycable06

My husband and I own our our house and have sold but I am applying for a mortgage in my name only due to husband recently changing jobs and previous dmp.
I am applying for £35000 and the house we are purchasing is £405000, 
application and documents uploaded 9 October 
house valuation completed and assessed last week and house has been valued at £405000
we are currently still awaiting other details to be assessed and learned from the broker today they have put me in the complex category. Broker informed me last week that natwest were happy with income etc but now natwest are saying no record of it.
i am just wondering if there is likely to be issues as my monthly income is roughly £2400 a month, loans I am responsible for are 
car £495
2 small loans for items like new doors and carpets we had fitted totalling £60 a month
my husbands wages covers the rest of the household bills but I am wondering as this is a single application but bank statements are of our joint account if natwest will question husbands income or other regular dd that are paid for out of my husbands wage. (Roughly a further £2500 per month).
broker is confident I will get the mortgage as they say they wouldn’t pursue if they weren’t confident as they wouldn’t get paid.
further to this I have no missed payments , no ccjs etc and credit report is clear, I fact the credit report that natwest do on their banking app states I am a responsible spender etc and all payments are kept up to date.
apparently we should now hear by Wednesday Thursday but I feel sick with worry now after thinking last week they were happy with income to now be told the underwriters haven’t even checked it yet.

Thrugelmir

Between you your monthly income is £4,900. More than adequate to service a £35k debt.  Isn't a joint application easier given you are married. 

kellycable06

As I stated my husband had started a new job and we would have needed to wait for new payslips , also 6 month standard probation and recently finished a dmp. Mortgage broker advised it would be quicker as we could apply straight away if it was just in my name (plus everyone in chain wants to move before Christmas which is going to plan) and my income would be sufficient . Also as husband has just finished dmp it reduced lenders and those that would accept more likely to take a longer time to process and we were looking at possibly months not weeks

Natalie866

I'd be interested to see if you get a mortgage as I was told if your married has to be joint 

kellycable06

Natalie866 my mortgage was accepted back in October and everything was fine being a single applicant even though I am married 

K_S

Natalie866 said:

I'd be interested to see if you get a mortgage as I was told if your married has to be joint 

@Natalie866 That's true for a few lenders but for most it's no problem. Natwest is fine with the application to go in a single name and for their spouse to live at the property without being named on the mortgage.