First time buyer needs opinion

Hello Guys

looking for some opinion , questions may sound simple n foolish.. :-)

I am self-employed since feb 2009. work as a director in my own company

my last 3 years personal tax returns are approx

9/10 - 29000
10/11 - 34000 (+ 1k retained profit)
11/12 - 37500 (+ 4k retained profit)
12/13 - Expected 39ish (i will have more then 40k available but might keep in business to save tax)


I withdraw income as (sal+dividend)
My wife works in same business salaried (8400 pa)

I am looking to buy a house between 225-250 range with 15-20% deposit

I have had clean credit apart from 1m single payments missed (3 to 4 times) which would be about 40-48 months ago

Apart from that i have had loans , credit cards which i have always cleared without any late payments .

would these late payments be a prob ?
apart from these which bank will offer me best multiples ?

any suggestions will be appreciated

Regards