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Thanks @TW and @Acliff
I guess the main question would be 'are brokers obliged to tell lenders if you confide in them that your concern is perceived affordability' or is it moot and the case that there'll be checks even if you elect to stay with the lender (in our case Clydesdale).
So, if I voiced these concerns to current broker and said I'd prefer to stay with Clydesdale to avoid affordability checks are they obligated to tell that to Clydesdale regardless of whether I elect to proceed with them?
Was reading (in a fugue state last night) about modified affordability assessment which seemed like a silver lining (on paper at least I would fit the bill - not missed a payment / not looking to borrow more / just looking to not get forced onto a duff deal as we've had a lower income than when we applied. (We intentionally had a year or two of higher incomes to help our application but always wanted to return to lower figures to spend more time with kiddo).
CYOA-
Do you even need to go through your broker? Clydesdale should just offer you a deal and I doubt it'll be that different to what your broker could get anyway, I found the broker was great for getting us a deal when we were first time buyers (I'm self employed and my wife's earnings are bonus heavy so the financial calculation wasn't straight forward) but when it came to remortgaging the deal we were offered to just continue with nationwide was pretty much the same as what the broker could get.
Gewürzt
Depending on your self employment, currently we’d be working off your April 2018-2019 so if these are healthy then you may be able to secure a deal with a different lender.
Worst case you should be able to stay with your current provider and get an existing customer deal, what rate it will be and which one you should choose depends on the lender you are with.
Also typically you can start securing these 3 months in advance so for you it’s would be 1st April?
Some lenders have announced that payment holidays won’t affect product transfers and remortgages, but not all have come out with guidelines yet.
I’m a mortgage broker so if you (or anyone else) want advice or help on the matter, PM me, happy to help.