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Would this be an unwise move?

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Id really value the brokers opinions on this :)

I want to put an offer in on a house ive seen and can (just) scrape a 15% deposit

My problem is a past IVA that came off my credit files in March 2012. Ive had no adverse credit issues since and my files were all green ticks the last time I checked

Ive read some positive things about the Nationwide giving mortgages if credit files have been clean for 12 months for people in my position and just wondered how bad the effect would be if I applied to them and got turned down?

I know the advice is to see a broker, but ive read different things on the internet (some say dont bother with under 20% deposit...others seem to indicate 15% may be ok) and I really dont know where to start...:(

How bad would one decline be if I went down the broker route afterwards?

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