I am looking into getting a mortgage as first time buyer. But i am worried that my credit history and rating will stop me getting a mortgage! I have credit score of 787 because when i was at uni i had an overdraft and credit card which i never kept up to date with. I have just completed paying both of and now have no debt or outstanding payments.
Will this play a major part on whether i will or wont get a mortgage? What other factors will be taken into account when deciding my application?