I am looking to get a joint mortgage with my partner in the next month or so. He currently owns his own property and has an excellent credit rating. Stupidly, I have a record of payday loans (last one September 2019) and I also have missed payments (CC) dated April 2019. I have worked hard to improve my credit rating over the last 12 months and my credit score on Experian is currently showing as 812. We are looking at a property of 450k with a 12-15% deposit to put down. Do you think I will be successful with a high street lender? I am very stressed that my past payday loans will stop us getting a mortgage. We earn 90k collectively and both have secure jobs.