That does make it a bit convoluted. It's probably a good idea to lay it all out to a good broker who should be able to help. There's likely quite a few factors to be considered before finding the most appropirate lending option.
Your employment probably isn't an issue as you've got a long term history with the employer.
Is your husband casual or a contrator? If he's casual then I've got to wonder why he needs to provide his own PI insurance?
I can think of a few banks who wouldn't want to consider an application...
