Credit History Help!!!!

ZoeUK

Hey Everyone!!

I have a pretty messy credit history from when I was a student until last year with quite a few late payments and a couple of defaults. (Defaults were small and settled immediately). I have been very sensible since working full time for the past 6 months now and me and my partner are hoping to buy this time next year. We are planning to save up a 10% deposit and I intend to continue being sensible with my payments etc and have no debts at the time of mortgage application. Can anyone offer any advice as to how likely to get a mortgage we will be? My boyfriend earns £17,500 (he has good credit history) and I earn £15,000 and both have good career prospects i.e. very likely our wages will increase substantially over the next few years. We want to borrow about £150,000. Will a year of me being back on track with my credit enable me to be accepted or are they still likely to turn me down?

Also, is there any way of making it clear that the bad credit I have was from my student days and now I have started afresh if that makes sense? As in seperate the two era's? One more thing....my boyfriend has already had a projection from work that he will be on £25,000 in two years- is there any way of getting that across to them?

Sorry for all the questions!! Just unsure about how the whole application stage works! Any advice greatly appreciated!!