Essential occupier still under MOP but managed to apply HFE

Hi everyone, I’m currently listed as a essential/ core/ authorised occupier under my mothers flat. The current flat has not reach the MOP requirements yet.

However, when I tried to apply for HFE, my application actually went through and got approved. To my understanding, people who are under MOP cannot even apply for the preliminary check. So does getting the HFE mean i’m good to go with regard to applying for my own flat?

Secondly, My partner and I actually qualify for the Deferred Income Assessment and the Staggered Downpayment Scheme but i don’t see it listed anywhere on my HFE. Is it supposed to be on the HFE? or where do i have to apply/ see it. This is a huge concern to me due to financial planning as staggered downpayment will mean we can apply ASAP but if no staggered means we can’t even afford the 10% yet.

Appreciate any responses or help