Small mortgage when unable to work

teaselMay

I've seen some very knowledgeable folk answer on here and so thought I'd ask for  advice to optimise my chances. 

In a nutshell come January I'll have:
Savings £5000
Debt £1100 at 0%, and ~£15K student loan that will never be in payment as not earning
Income none earned, 1600 benefits
No guarantor 
I'm not a first time buyer, I owned a house from 2001 to 2009.
No adverse credit
Mortgage needed £20k-50K (minus deposit) depends on % share I need to buy of 200K house, hopefully £20k

Background
I'm hoping to buy by shared ownership in the coming months. For a number of serious health issues and consequent disabilities I'm unable to work and have been for some years, I've fought against this but have had to accept I can't work. My only income is Personal Independence Payment (enhanced level of both components) and Universal Credit. This isn't a massive amount but enough to live on reasonably well if I'm careful. 

Having discovered that my landlord of 13 years needs to sell, and that I may be able to buy a new build by shared ownership I started saving from nothing in September. I've managed to save £1000 a month. That's not sustainable in the long term but is for another few months. I currently have £4000 and will have £5000 at the start of January.

I have been in the habit of putting vehicle expenses on a 0% credit card to spread them over the year. This year unfortunately my van (self converted transit camper not commercial) needed a new gearbox, clutch and fly wheel and so in the spring with insurance as well I had £3K on this card, I'm paying £250 a month off and it's now £1350, I have other cards but only this one has a balance.

My total available credit on cards plus allowed overdraft is about £18K I could happily close a couple of those accounts and reduce it to 10K, I keep the cards for emergencies (vet and vehicle primarily).

I had hoped to be able to discuss with the housing association's financial advisors but so far it's like a brick wall, they ask for information and give me none back. It's hampered by my being deaf but they send me stock emails and so can communicate that way when they want to. I've started looking at other providers and there are a few other developments in the same £200K range

Obviously I'll need conveyancing fees as well as deposit. My ideal would be to buy 10% share of a £200k house with a 2K (10%) deposit, I'd then use ~£2k on conveyancing and by the time we'd complete I'd have another 1-2K which would pay off the credit card and give me moving costs - it won't be an expensive move just empty van hire.


Is anyone likely to agree to a mortgage?

Is there anything I can do to make it more likely?

Many thanks for any advice