Advice please adverse credit mortgage chances?!

Lbong

Hi all. I’m aware there are sooooo many of these questions posed on here but would so grateful for some insight and hopefully a bit of reassurance about my individual situation. 

My boyfriend and I have a DIP from Santander. We had an offer accepted on our dream house 8 days ago and our mortgage application (to Santander) was submitted today. We have a great broker who has been really helpful so far. I’m driving myself a bit insane worrying that Santander may turn us down once they delve into things in more detail. 

I had a default with barclaycard for £2,000 which I paid off in one lump sum in September 2017. At the same time I also paid off a credit card with capital one in a lump sum, I can’t remember the amount maybe a few thousand but I don’t think that ended up as a default. Since September 2017 I have completely sorted my act out and have never missed a payment on anything. I’ve been much more responsible with money aside from having a credit card now with around a £2000 balance but I pay this every month. I bank with Santander and have done for about 10 years so they will be well aware of my !!!!!! credit history and our broker said when he applied for the DIP he made them aware of the default so he said this is positive at least. 

My boyfriend and I both work FT for the NHS and have been in our current jobs for 2 years. We have similar incomes which combined come to around 65K. He has an excellent credit history no missed payments on anything ever. 

The house we are buying is 230K we’re putting down 23K deposit. 18K gifted and 5K savings so mortgage will be for 207K. When we did the stress test the other day the broker said it is a very affordable

Mortgage for us with our monthly outgoings. 

I send my dad £400 a month and have done since last April

To save for me. The last few months I’ve had a couple of bloody unarranged overdraft charges but aside from that I don’t think I’ve been too terrible the last few years?! 

How likely is it bearing this all in mind that Santander decline us after giving us a DIP? Will it be a computer that just decides in the end or is it an actual human being?!Im worrying about silly things like the fact I send my dad money, will they think I’m irresponsible and can’t handle my own finances?! My boyfriend also puts £5 in a betfred account most months so this also concerns me even though it’s not a lot. I’m really stressing over this and I know it’s completely out of my control but would be so grateful for any feedback from a broker on here. 

Thank you in advance and congrats if you managed to get to the end of this!