Whenever you make an application for a mortgage, the lender will carry out a credit check. The high street banks in particular can be more reluctant to lend when it comes to bad credit. It’s worth noting, however, that not all blots on a person’s credit history carry the same weight, and that the age of the incident is also taken into account.
If you have ever been declared bankrupt, or have a couple of CCJs in the last couple of years, the high street banks potentially won’t want to know. If you have a couple of late payments three or four years ago, they are likely to be less concerned about them.
The best thing to do is to take advice from a specialist mortgage broker who understands the whole of the market.