It sounds pretty minor on the scale of adverse credit. Some banks would probably look past this, as long as everything else about the application is very strong. Worst case, Pepper should be an option for you, as your record is clean for at least 2 years.
As a rule, it's essential to provide full and accurate details of the circumstances surrounding the missed payment. The more information you can provide, the better (dates, statements, proof you weren't living at the address, bonus points for getting a letter from the bank about being a model customer, etc.). Generally, you only have one shot to explain your case, and bank underwriters really don't like to be given inaccurate or conflicting information, when it comes to this sort of thing. If an applicant only offers a vague or even remotely inaccurate version of events
I would recommend getting the application "pre-screened" by an independent broker, or perhaps by an experienced mortgage advisor in your own bank (disclosure: biased broker). This is because one of these parties can help to build support for your application before it is reviewed by an underwriter. Also, if a particular bank is definitely not going to show any flexibility, then it's better not to submit an application, only for it to be declined. The next bank will not know that it was declined, but the more other lenders they see that did credit checks on you in the very recent past, the more they will infer that you were repeatedly declined, which could bias the underwriter against you. I don't mean to overstate this last point - I'm just saying that anyone in your position may need to play it even smarter than usual.
Best Regards,
Dave Curry, Irish Mortgage Corporation
https://ie.linkedin.com/in/davecurryirl