I did the same, with me as only applicant, mostly because it was slightly less paperwork. One possible drawback is that you can't count two incomes, just the ap

I did the same, with me as only applicant, mostly because it was slightly less paperwork. One possible drawback is that you can't count two incomes, just the applicant income. Though "affordability limit" that bank calculates (at least in my experience) is very stretched, I wouldn't be able to pay the max bank was ready to loan.