I have some questions, appreciate some advise!

I have an ASB loan since 2012 thru sotong bank, and now I'm thinking of terminating and getting a better rate. My concern is I'm already 41 and I'm a freelancer at the moment. Do you think it's advisable to continue in case I can't get a new loan? Or is it possible to do a joint loan with my husband (who can't get ASB but who has steady income -- is this an issue for joint loan?).

Thanks.