A lot depends on whether the selected lender works on the Credit score basis or on credit history basis......be upfront with your IFA at the start let him/her know your reservations so they know exactly what they are dealing with, they will then know which lenders use which system for establishing your credit worthyness.

Late payments are shown on your credit history however if they have been satisfied and your account is upto date then as long as the period of missed payments didnt go on for month upon month then it shouldnt be overly detrememntal.

The loans; you state that they were rewriten, this in itsself wont go against you assuming you didnt mis payments IF you did however then it will be recorded on your credit file as above.

It may be worth contacting Equfax and having a note put on your credit file explaining the reason for the blip.....this can be an advantage should potential lenders request a full credit report.

In your favour you did rescedule your finances when you realised you were faceing financial difficulties.

best of luck