If someone is 42 years old with no assets of note, has £0 in savings, has approx £45k in unsecured debt (£40,000ish with one lender and the remainder split among several others), had a voluntary repossession about 2 years ago, has a very low credit score (212), has restarted full-time employment with a good salary and has made arrangements with all creditors for repayment over a long period, what are the chances of getting a mortgage? (it would take years & years to save the deposit). Had previous mortgage for 7 years without any problems, then things went a bit downhill.
What would this person have to do to get themselves into a position to be considered for a mortgage (100% if possible).