Mortgage with previous poor credit.

Kiwistrawb1990

Hello everyone and thank you for reading. 
I hope you are all managing to stay as safe as possible during these awful times and that those who are furloughed aren't facing too much anxiety. 

Originally I posted just after Xmas for mortgage advice. I decided to delay the mortgage application, forfeit the house and spend a few months focusing on working hard and paying off debt. 
Since my last post I have increased my Experian credit score by over 200 points and paid off nearly £3000 of debt in 3 months.
I am now (for the first time in 10 years!) debt free, I have a hire purchase car which I've had for 3 years and have never missed a payment so the account is in perfect standing.
I have a credit card with a £2000 limit which I put my fuel for my car on and pay off in full every month. 
I have a historical default (4 years old) and a payday loan in the last 12 months. (Again, paid off in full the same month). 
So my credit history is a little shaky, and I'm very embarrassed about it. 
Myself and my partner have found a house that is £260k, its a new build and we are first time buyers so would be looking at HTB. We have a 10% deposit.
We both earn £31k a year. We have no dependants.
His credit score is excellent across all agencies. 
Mine is good on Transunion, fair on Equifax and 700 on Experian. 
Do you think we have much of a chance with a high Street bank at this stage? Or is an alternative lender more likely?
We will be using a broker as advised from most posts I see on here. 
We both work for a Northern Ambulance service, so our employment is very very safe. 
Apologies for the long post, I wanted to give as much information as possible. And thank you so much for reading, and in advance for any help you can offer. 
I really really appreciate it. 
Faithfully
One stressed paramedic. 

PixelPound

I assume the default is paid off in full?
Normally I can't see a problem getting a high street lender, however we are in unusual times. The 10% may be a sticking point at moment.

Kiwistrawb1990

nic_c said:

I assume the default is paid off in full?
Normally I can't see a problem getting a high street lender, however we are in unusual times. The 10% may be a sticking point at moment.

Thank you so much for your reply. 
Yep fully paid off less than 3 months after it was defaulted. It was for Very, I changed bank accounts and used the 'switch' process for direct debit transfer, it didn't transfer and I didn't realise as stupidly didn't think to check.
I was also at university at the time so the letters were going to my parents house, parents didn't pass on that I had post, probably thought it was junk mail so it wasn't til I went home for summer that I realised what had happened. 
I was really upset as hadn't received a single phone call only by letter and would have paid it instantly had I known.

Thrugelmir

Make contact with a mortgage broker and explore your options. Will be how lenders view your account conduct against their own criteria that matters. Not the score the CRA's give you. Continue to save as hard as you can. The greater the deposit you have available the more doors that will open up for you. 

Kiwistrawb1990

Thrugelmir said:

Make contact with a mortgage broker and explore your options. Will be how lenders view your account conduct against their own criteria that matters. Not the score the CRA's give you. Continue to save as hard as you can. The greater the deposit you have available the more doors that will open up for you. 

Thank you. 
We are using the same mortgage broker we were going to use on our last application. 
I'm just keeping everything crossed. My partner is so excited and I'm going to feel awful if we don't get the house because of me. 

Kiwistrawb1990

Sorry to bump my own post. But OH advised me today we actually have a 25% deposit haha.
Will this stand us in better stead?