As your own credit history will be unique to you and your circumstances it is difficult to give you detailed advice on this question.

Each housing association and mortgage lender will have a different view on the risk of selling or lending to a household with a poor credit history.

Some housing associations publish their adverse credit policies and the mortgage broker that undertakes your financial assessment will be able to advice on the different policies used by mortgage lenders.

A poor credit history may limit the number of mortgage lenders available to you and the level of deposit you need.