Marga,... short of being privy to the nature and extent of your husband's 'individual voluntary arrangement',
it is difficult to guage its inroads on his overall financial situation.
However, it would be reasonable to assume that, so long as his bank statements clearly indicate you can live comfortably as a couple - after deduction of normal everyday household expenditure, and without any likelihood of becoming reliant on public funds - then everything else should fit into place.
Having said that ...to this website, and good luck with your application.
