Hi,

There are some lenders that don't credit score so things may not be as serious as you think. If you see a broker they will be able to check initially how you stand with the High Street and if there are problems he/she will be able to slide slightly down the scale to an appropriate lender, without unnecessary credit searches.

Would love to go for my first mortgage, only thing is i have a low credit score.  I do not currently have any ccj's or defaults, just some late payments going back years which still appear on my credit file.

Do i need to apply for an adverse credit mortgage or try for normal first time buyer?