Default Clarification

SJA19

Good afternoon, 

Seeking first mortgage and as feared, I don't appear to have options available for either 95% or 90% LTV. My (free) broker has explained that even through my defaults were registered c. 5 years ago, one of them being settled early 2023 is causing difficulty in sourcing lenders at these LTVs. 

So three questions - 
1. Do I have any likelihood in sourcing such LTVs based on the situation I've articulated below. 
2. If so, does a case such as this warrant a broker specialising in adverse credit.
3. What rates should I be expecting (aware highstreet is out of the question)  

My credit report shows 7 defaults registered between late 2019 and early 2020 due to unemployment. 5 of these are from the actual lenders, and two are from collections agencies who acquired the debt (with the 2 original entries being marked as being "assigned to CAIS member"). So 5 debts = 7 defaults - all satisfied throughout 2021, bar one which was 2023. 
Amounts are £250, £195, £1.4k, £1.7k & £2k. 3 x credit cards, 1 x overdraft, 1 x personal loan.
Clean credit report since the defaults.
In terms of the affordability, £80k salary for myself, £25k for partner. Only form of credit is my car at £300 per month. Broker's affordability suggested max of £400k.  

ACG

1) Potentially yes. 95% might be a hard push, but I am fairly sure there are a couple of lenders at 90%. 
2) I think so. Adverse is quite a niche part of the market and what you are after is not really mainstream adverse - 85% and I would like to think most experienced brokers could place it. 90% and it gets more complicated still. 
3) We have done one today funnily enough and the rate is I think 6.99%. Although you might be able to get something closer to 6% depending on the finer details.