Mortgage and late credit card payments

Snuggles

Hi, I currently have a mortgage in my sole name on a property I bought before I met my husband (which we now both live in). We are hoping to get the house on the market and move to a bigger property in the next 12-24 months.

My credit history is impeccable and I've never had any issue obtaining any sort of credit. OH has two missed credit card payments, one in 2012 and one in 2014. Both were where he for some reason forgot to make the payment, but it was made in full the following month. I have now ensured he has a direct debit set up to at least take the minimum payment in case he ever forgets in future.

We have a joint income of around £60k, and would be looking to buy a house around the £160k mark with a deposit of £40-£50k. We don't have much debt, I have a car loan which is £160 a month and we use cash-back credit cards which are paid in full each month. When I tap all our info into mortgage calculators, they say we can borrow far more than we would need. However, I'm concerned about OH's missed payments and whether they are likely to have any impact on getting a mortgage from a mainstream lender.

I hadn't thought it would be considered significant, however we recently applied for a joint current account for the first time and were declined an overdraft facility (which we didn't want or need anyway). The bank said they'd used Experian in making this decision. We applied for both of our Experian credit files, mine is perfect, and OH's just shows these two missed credit card payments. I'm thinking if that was enough to deny us an overdraft facility, will it be enough to mean we can't get a mortgage?

Another question, when the time comes we will probably use a broker. Is it wise to see a broker before we even put our house on the market to make sure that we can get a mortgage, or (given that our house will probably take a while to sell) would that be jumping the gun? Just wondering in what order people usually do these things.

Thanks!