Is Habito One available for applicants with adverse credit?

Hello

I have read up on Habito One, their long-term fixed-rate mortgage, and whilst I see the downsides (i.e. comparably high interest rate today), I think that there would be benefit to such a mortgage when I hopefully start looking for a house later in the year (e.g. higher salary multiplier, security of fixed rate, no application fees every x number of years etc). Whilst I qualify in terms of the criteria they have on their website (on their list of applicable professions, or annual salary over £75k) I've not read anything about how strict they are with adverse credit. Does anyone have any information on this, as I have a settled £61 default on my credit file from January 2019, so wondering if Habito One is even an option for me to consider or not? I will be contacting a mortgage advisor closer to the time, but any info on this would be appreciated anyway. Thanks

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