Owning your own home

Ta people...what I was trying to say "if you've got a good credit rating at the time for applying for a relatively small mortgage would older issues work against you?"...or does the fact that you've had defaults even 5 years earlier mean you won't get a good score?

Getting recent credit rating/file deffo 1st stop.

Credit reports go back for 6 years only.

I can't remember if applications for credit are recorded on your report or not.