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Will i get a Mortgage with 6 late payments

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Hi

My wife and i will be applying for a mortgage together next month. Her credit history is excellent with a 999 score in experian.

Mine however is 975 as i have 6 late payments from a second mortgage that was settled in dec 2008.

Will this affect us getting a mortgage?

We are looking to buy a property worth 320k with an 80% deposit

I earn 65k and my wife earns 36k

Will we be ok with the high street lenders? what complications might we have??

thanks in advance
John

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