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mortgage with limited credit information on file?

Hi there! I was wondering if anyone could help me..
I'm applying for a mortgage of 4.5x times my income, LTV around 45%. Experian's credit score is just about good, no adverse credit history, but equally not much credit information (no credit cards etc). I'm in full time permanent employment, registered on the electorate roll...
What are my chances of being accepted for a mortgage?
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