Some lenders will never lend, some are more flexible.
I would suggest that you have a chat with one of our two on forum brokers, Ryan and / or Shaun. They are both experts in adverse credit applications and keep abreast of what lenders current views are ( they do often change !).
Their details can be found under the "Ask a Question" tab ( top left) and scrolling down to the Experts Details section.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014