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Oddly had a similar outcome.
Wrote to Clydesdale asking in passing about the terms of a payment holiday - not actually requesting one, just asking how much and when we would have to pay back. They wrote back eventually saying that the payment holiday had been approved and reimbursing our April payment (without really telling us how much we're due to pay or when).
We also wrote to them separately about changing product when current term comes to an end. Had offer through today. Precisely zero checks and seemingly no issue with the payment holiday (for now). Looked into a few other lenders and brokers and all suggested there would be stringent checks. New deal is cheaper (by a fiver) than the old. Main concern was getting an offer at all given the drop in income in the past few years so all in all pretty happy.
33 mortgage years on the wall, 33 mortgage years. One fell off and paid 1.4%, 32 mortgage years...
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CYOA
A little bit of thread resurrection, but it may still be useful.
Our 5 Year fixed deal with YBS expires the end of July, YBS allow you to reserve a new deal 120 days before your current deal expires(I'm guessing other lenders are similar). We opted to stay with YBS as we didn't want the hassle of moving provider and going through the whole application process.
We selected our new deal online on the 8th April, letter arrived today 7 business days later, mortgage approved.