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Advice needed!

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  • Advice needed!

    I am after some advice if possible please!

    I am applying for a joint mortgage of £178k for a property which is £498k (offer made and accepted). The mortgage will be split between my partner and I.

    The issue for me personally is old payday loans (quite a lot of them) which are around three years ad three months old, and have been paid off. My partner has no payday loans. Neither of us have any 'adverse events' on our credit scores.

    We have an agreement in principle from a high street lender.

    So, my questions...
    What are chances of our application being declined on the above issue?
    Will anywhere give us a mortgage at a semi decent rate?