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Help for first time buyers

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  • Help for first time buyers

    Back story: me and my partner got an AIP for £200k a few weeks ago and are due to go in next week to apply for a mortgage with Halifax.
    His credit report has no late payments, ccj or anything bad and is a fair score. Mine is all fine except 4 late payments ranging from over 2 years - 4 years ago and I also have a £500 credit card that is fully paid off.
    We are looking to do a 15% mortgage of £25k on a property £170k.

    What are the chances of us being declined because of my history of late payments? Does anyone have experience in this?
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