Mortgage with DMP/defaults/payday loans

Dino123

Hi,
Myself and my partner are wanting to buy our first home soon (ideally this year). My partner has a brilliant credit score, no debts from the past etc. I however have a fair credit score with a history of money issues.
Since 2012 Ive had an overdraft, a bank loan and fell into the spiral of using payday loans. In around August 2017, I set up a DMP - this included approx 8-9 creditors, amount of around £8k. My DMP was paid off in Jan 2020. However this caused me to default on my overdraft and loan with my bank (which I no longer use). One was for the amount of £900-£1000 and the other £300-£400. The dates of the defaults show may and September 2018. 
I haven't taken any payday loans out since my DMP started. I do currently have a credit card which I am using to try and help my credit score - £10 purchase, paying it off in full each month, limit £350. 
I got into debt mostly due to myself being young, naive and living beyond my means. In the year before my DMP I was in a relationship with someone who was in severe debt and I was also stupidly paying for his lifestyle as well as my own.
I have no intention of ever using a payday loan again nor being in a position that could lead me back to being in debt - this was the lowest point of my life and has affected me.
In terms of buying a house, we currently have a deposit of £45k and will probably be aiming for a house worth between £130-£160k. Joint income of £44k.
I know we will have to use a specialist broker but I am so scared that we will still get declined because of my past. How likely is it that we will get accepted?

ACG

There is no reason for you to be unable to get a mortgage.
It is possible you may get normal rates, but I think you probably are looking at rates closer to the 4% mark. 

poppyegg22

Hi, sorry to jump on this thread but I feel my situation is similar in ways. I got into a rhythm of some missed payments due to an ex partner and I was paying for his lifestyle too...anyway we split and it took me a few months to get back on track. My last missed payment was august 2020 and now me and my new partner are going for a mortgage and I’m worried it will stop us. He has no record of anything like that on his score similar to you.