It is often possible to obtain a mortgage with a high street lender even with bad credit. They mainly want prime borrowers lowering the risk of defaults. Except some take a view on your circumstances.
If your adverse credit was less severe (not bankruptcy/repossession) and you have a justifiable reason. Many will take a view, especially if your bad credit is historical and even more so at low Loan to Value (LTV).
Historical Adverse can often be sidelined if you now have a long history of good credit. After a particular time, these bad credit events even drop off your credit file.
You can not hide your adverse credit and will want a specialist mortgage adviser. An adviser can identify the best route for you. That can be high street lenders with more favourable rates.
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