Answer
Yes but maybe not that easily (its dependant on what type of default, with whom, the amount, how long for etc...)! you may need to go to an adverse lender if this is the case (a lender that takes more risk but charges a higher interest rate).
also when using a 100% mtg, remember that you should only get a max 3.5x your income from the reputable lenders. if you are offord more be careful! you could run the risk of not being able to afford your payments.
go to a local estate agents (countrywide group are normally ok) & have a free of charge agreement in principle done - try to use someone who is
independant or semi independant as they have
more mtgs to offer. it should only take an hour & you will have a solid offer of borrowing for the next 3 - 6 months (ish). you will then know exactly how much you are able to borrow & afford! you will then have a better idea of what to look for when searching property or wether you shd stay & build a deposit?!
nice
luck
