Kent reliance Shared ownership Mortgage with defaults

JustMe18

Hello. We have applied to buy Shared ownership newbuild , which will be built next July. We have some adverse credit history , couple of late British gas payments and 2 silly defaults ( didn’t pay for 2 months and then paid everythjng off in one go, that was 1 year ago , me and my husband got 1 each). It was hard to get AIP because of this, also credit score  rating was average. We applied for AIP with Kent reliance , it went to underwriters, but was approved in the end. Since then my husbands credit score is jumped to Excellent ( 980 out of 999) and mine to good. We have now applied for a full mortgage offer - passed initial hard credit check on 23/12 , then broker said affordability and Valuation was fine too. Good sign so far?
Now Kent requested 13 new documents, I am so stressed, there were "check my file" credit reports they wanted to see, I guess because even they knew about default it doesn't show on Experian, what they use, also some silly questions about payments from my mum, about childcare payments , which we don't have etc.
I know it's just a guessing, but How likely are our chances, if it wasn't refused yet? Apart from defaults a year ago, we had a few missed payments for British has, nothing major, never been in other debts. We have agreement with Kent to pay off all our loans when we get this mortgage .
we have relatively good income of £90k and we have a 10% deposit ( or more if needed, because we are also selling our current house).

Anyone is waiting decision from Kent too?

LouLou80lou

Hi how are you getting on ? 

JustMe18

LouLou80lou said:

Hi how are you getting on ? 

Hi, did reply on a different post - ours was declined after 4 weeks. Now waiting to re-apply after we fixed the issue.

firsttimeBUYER1010

@JustMe18 Hi do u mind telling what additional documents did they ask for ? any additional bank accounts 

Hoenir

You do better starting your own thread.