Not AIBU but need help. Mortgage related.

[WhimpyKid]

Need help regarding mortgage renewal. We took mortgage nearly 5 years ago, due for renewal in a couple of months. At that time my DH had a well paid job, around 48k. Due to it being stressful and demanding he left it to open his own business. That was around 2-3 years ago. Now, this job brings only 28k. I don’t work, we manage, never been late with any payments, bills etc. Our monthly mortgage payment is around £920. My question is can they refuse renewal with this small earnings? Will they check? Bank’s been asking to update details online but we’ve been postponing it. Me being me I worry too much sometimes. Can someone advise what do banks do in situations like that? Thank you

I also found that Santander wanted an affordability check when we moved house (we didn’t need any extra mortgage) and they said we couldn’t afford the mortgage we already had. Our income hadn’t changed at all, apparently it was their new rules. We went to another lender and all was well

We’re with Barclays Babyplaymat

I tried to switch at the end of a fixed deal, big bank, and they said I had to go in and provide details of income etc to prove I could afford it. I said I've been paying it for 10 years but they said that didn't mean I could afford a new, cheaper, deal. Don't know why it was so complicated.