Many 'high street' lenders are unwilling to lend money where the applicant has a bad credit history registered against them. They find this information by contacting a credit file agency.
There are, however, lenders who specialise in providing mortgages to a customer, even if they have a poor credit record. Generally, the smaller deposit you put down on the property the higher the loan to value and in these circumstances lenders may charge a higher interest rate. Similarly, the worse the credit record, the higher the interest rate and a larger deposit Iis required. If the problem debts have been paid in full and if they were registered some years ago, (exact number of years vary with different lenders), there may be an improved chance of obtaining a loan at more favourable rates.
Unfortunately for the consumer, very few of these companies have high street branches and not all will deal direct with the client. This is where mortgage2move, who have contact with all the specialist lenders that deal with brokers, could be able to advise you.

The overall cost for comparison is 9.2%

The actual rate available will depend on your circumstances. Ask for a personalised illustration.