Hi Nad.
I am in a similar situation to you although I am not married yet. I have a house in negative equity (about €30,000), but now live with my fiance (only engaged 2 weeks). I cannot sell my own house without incurring a huge loss but it is rented out now and covers the mortgage. We also are wondering whether my fiance could get a mortgage in her own name after we are married, or would it be better to buy a house in her name before we get married.
She has been advised she could get about 225,000euro by herself now, and we are wondering could she still get this after we are married (or would the banks look at my finances as a spouse). She has a permanent job and earns approx €45,000p.a.
The problem is we cant set a date for our wedding until we know more. I will be speaking to a few other mortgage advisors over the next few weeks and will let you know how I get on.