HELP & advice needed Late payments with hbos - halifax mortgage app

Hi,

My wife and I are recently married. We have kept our finances seperate.
She owns her current home and we are doing a part exchange. Due to trade in and cost of new home it's 90 LTV. New home is 130000. , so mortgage 117000.

She is the main earner (47k) while I'm on 19k.

I've just seen that I have 2 missed payments in last year with bank of Scotland CC. My credit score with experian is 981. These are marked as 1. My fault, dds never went through but paid in resubmission.

I recently had a family member offer and accepted to pay my credit cards off for me (but my wife is unaware)

We are applying to halifax and we've had our Mortgage agreement but not got to document stage.

I also have went to limit but not too close to overdraft.

Can I ask other people's experiences and advice on what I should do or what is likely to happen.

Thanks