Chances of a Mortgage

Good Morning,

This is one for the brokers out there or people in the same situation.

I would like to tell you my situation regards to getting a mortgage and hopefully some advice can be given.

I am planning to move out with my girlfriend at the start of next year and was wondering if we would have any problems getting a mortgage.

Situation
Joint Application. Earnings totaling 35k between us.

Applicant 1 - Main Earner
- Already has a mortgage which is currently on a consent to let and has tenants in (rolling 1 year consent to let from the bank)
- £225 loan (3 years left) but no other debts

Applicant 2
- Has no debts at all.
- Pays car insurance of about £125 a month.
- Has 3 missed payments on her credit card about 2.5 years ago.

We are looking to borrow in the region of 90k - 100k and we will have a deposit of 9k when we apply for a mortgage (we have separate money for fees etc).

- What is our chances of a mortgage in the above situation?
- Will a good broker be able to find us a deal?
- With the above deposit, could we only borrow 90k?

Any advice much appreciated.