Some will put great weight on the answer, other not so much.
We have had posts where the borrower has gone to a High Street Broker, been given an AIP and then refused at the last hurdle. I would strongly suggest you have a chat with a broker with experience of adverse credit applications.
Ryan and / or Shaun would be a good place to start --- they are both whole of market brokers who have helped place mortgages for quite a few of our members. There details can be found here:
Best of luck.
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