Can my cousin have my husbands baby without ivf

A little back story. Myself (32F) and my husband (33M) have been trying for a baby for well over 10 years with no success. I have PCOS and now have other medical issues which would make carrying a baby hard for me even if I did get pregnant.

My cousin (who I have always been very close with) has offered to be a surrogate for us. She has already had 3 healthy children and is currently 31 years old.

The issue is, we currently don’t have enough money to pay for IVF.

We have all spoke about this and my cousin has said she wouldn’t mind inserting my husbands semen herself so we wouldn’t have to go through the hospital so it would save us money.

I know it wouldn’t be my child legally but me and my cousin do look a like and have often been mistaken for sisters but the baby would still be my husbands biological child and have my blood.

Is this legal to do if we write up a contract?

Could we do this then let the doctors know it will be mine and my husbands child?

I know we can pay for a parental order once the baby is born because my husband would be the legal father then maybe I could adopt it?

My cousin wants to do this for us but I just don’t know the legal side of it so I’m just wondering if someone could help me out. We are in England.

I know it is not to everyone’s taste and I’m not looking for judgement please as having a baby is a really sensitive subject for me.