Some lenders will consider you right away, some will never consider you ... you need to approach the right ones.
Ryan and his team were able to identify suitable mortgage products to get us back on the housing ladder - everyone is different with their unique set of circumstances but using a broker takes away the pressure somewhat.
You might find this quick video I made about cleaning up your credit record useful:
Noddle and Clearscore are also free credit agencies to consider using:
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