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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
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).