Will this ruin chances of getting a mortgage?

I'm using my daughters account by the way!

So I have a pretty good credit rating. Me and my husband owned 2 house together from 1998- 2010. In 2010 when we separated I started renting when me and my daughter moved out. I have never missed a months rent, I have lots of direct debits, I pay all my bills on time and I am self employed and work full time.

I want to provide the daughter with the best life possible and so I'm trying to buy a house for us to live in a nice family area. We have been accepted on a shared ownership scheme so we need a mortgage for the bought percentage of about 40,000. I'm terrified of not getting the mortage. It would be perfect! I know I can afford it easily (it'll be cheaper in rent/mortgage and bills then our flat now) but the banks have just got stricter and I've also just received a letter for a bank over draft that I had when I was a student. It was only about £200 and I changed it off straight away and am going to contact the bank to say its paid on my credit rating.

I'm scared of not getting a mortgage? Will it effect things?

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