Nationwide Additional Borrowing: should we preempt and send additional information?

Petriix

We applied online on 16/10 for £25k of additional borrowing which will take us to 27%  LTV and ~ 2 x total income over 26 years. We originally borrowed £45k in 2016 and have built up ~ £10k in overpayments and overpaid in most months this year.

We are both self employed and have both received the SEISS grants. The application didn't ask about Covid impact or support. They only asked for two years' SA302s/Tax Year Overviews and three months' bank statements which we emailed in right away.

We both received texts yesterday saying it may take up to 4 weeks to process. I'm sure they will ask for more information. My question is: should we preempt this and send additional documents through now, and what are they going to ask for?

We could send through an explanation of why we took the grants, proof that business income has returned to normal, proof of tax credits, annotated bank statements explaining outgoings etc. Would there be any value in doing this, or do we just need to wait it out?

If anyone has recent experience with this sort of application with Nationwide, some insight would be greatly appreciated.
Thanks 

dimbo61

No wait and see what they ask for.
It could just be copies of passport or anything.
Stop trying to second guess the lender

[Deleted User]

At low ltv and low income multiples it might just go through no questions asked.   If you send info in then they will be forced to look at it and might decline when they otherwise would have offered