Scared mortgage offer will be withdrawn

WMN

After a nasty experience last year due to previous mortgage defaults (during a divorce) and decline mortgage we decided to wait a while (15 months) to try again.

Went to Santander (our bank) and spoke to the mortgage advisor who done a credit search there and then. We took my husband's Experian file which showed the defaults. It passed without being referred and went on to pass full credit check etc. We have a deposit of 75k - house is 195k.

The survey was done within 3 days and we received a mortgage offer.

We are now about to exchange contracts but I would like to exchange and complete on the same day (to ask the solicitor tomorrow - there is no chain). Santander phoned today and asked for my husband's wage slips again as they'd photocopied 2 the same and missed a couple plus they want our marriage cert as my wage slips show my old name (recently married). They said it was their fault and nothing to worry about.

What I want to know is, why are they checking it at this late stage - shouldn't they have done all this prior to our offer made over 2 weeks ago? It's making me nervous they they could still withdraw their offer because of the defaults 15 months ago.

I have researched Santanders criteria and it says no defaults for 12 months and the original advisor told us that we must have fit their current criteria for it to pass the credit check.

I understand that checks can be done at the last minute but would this only be a problem if we had taken out more credit - not for the defaults already there and apparently passed?

That's about it. Any advice very welcome.

Mishomeister

I would really think it is done for auditing purpose and they have lost your original payslips. So don't think there is anything to worry about