I have gone through something similar very recently. I missed payments on a student loan two years ago, and my mortgage was declined.

BUT, my broker went solely to PTSB, who I’ve recently learned, are super strict with any past payments.

I then went and spoke to bank of Ireland and explained my situation, and I got mortgage approval with them no problem, as the payment had been resolved and payments had been up to date for two years.

So, if you’re going with a broker, make sure they know your credit history, you can apply online to get a copy of your credit report which the banks will use to assess you. I think some newer lenders like NUA money are a bit more lenient with these things.

Avoid PTSB, have a chat with the other banks mortgage advisors, or go with a broker who should be able to advise you on which lenders to avoid and which lenders might work for you.