I have to agree with MortgageBrokerSurrey.
Unless you are willing to accept a mortgage product with inflated interest rates and fees then I do not think you will find a lender willing to help you here.
You have not mentioned how much of a loan you are looing to borrow on the property; whether you have a 5%, 10%, 25% or higher deposit and this will be absolutely key to any application you may put forward.
Its an absolute must that you pay off the defaulted balance....without it you are dead in the water or face a 10%+ interest rate (payday mortgages).
If you do satisfy the default I still think its unlikely that you would be considered yet by any mainstream lender as you still managed to gain 2 defaults in the last 4 years....and these defaults will be visible to lenders until they have passed the 6 year anniversary from when they were added...not when the debt was accrued.
If you want to increase your chances of acceptance then you cannot approach the lenders with a small deposit, you are not going to be considered with anything less than a 20% or higher deposit. You have too much negative credit profile and until that can be shown to be more positive then the lenders will only look at the defaults and nothing else.
Ignore the credit score....its ***!!. CRA's (Credit reference Agency's have been slammed recently in the press for deliberately showing credit profiles with a more positive sheen than they deserve and your case is a typical example. With 2 defaults and one of them not satisfied or any attempt to pay made how can this show you as a good credit risk?....and yet your score is showing as 916.....I would almost bet money that you would be turned down for a loan, credit card or any mortgage you tried to apply for right now.
The only suitable purpose that credit reports serve at present is to ignore the score totally and look at the information that is contained in the report....if it gives happy reading then apply away, if you have any reason to be concerned...don't waste your time and focus on mending the problems...such as paying the default off.
Without trying to be so cruel, my best advice is to give up on the house for 12 months, pay off the default, and save as much money as you can possibly afford and then in `12 months try and approach the lender with a satisfied credit profile, 2 defaults that have around 12 months till they fall off and a decent (hopefully 20%+) deposit and I think you might find the lenders more accommodating....but do yourself a favour, try 1 broker for 1 application and if it fails...give up.