Our story

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We know life has its ups and downs. We’ve been there and will never judge. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating or a straightforward income, the odds are completely stacked against you. Things like bad credit don’t make you a bad person. And you should never feel like that. So, we developed a solution.

Most online mortgage brokers and traditional lenders use automated decision making to determine eligibility, but this doesn’t work for complex situations. More often than not, when you don’t fit into a box, the computer will say “No”.

We don’t use technology to replicate humans. We use technology to enable us to spend more time on what matters most. Understanding your unique situation and finding an expert who’s up for the challenge and has a proven track record of making mortgages possible for people just like you. When we’ve done that, the rest falls into place. Meet the experts. Not the robots.

You could still get a mortgage
Even if you’ve been turned down elsewhere. If you don’t have a shiny credit record or if your situation isn’t straightforward, you could still have options.

Having the right expert makes all the difference
We don’t believe in automated mortgage decision-making. Sometimes, you just need to explain the story behind the numbers. We match you to one of our Mortgage Experts who’ll take the time to understand.

Judgement-free zone
Life has its ups and downs. We get it. Our Mortgage Experts have seen it all and aren’t judgemental.

No landlords allowed
We don’t offer Buy to Let mortgages. Our focus is helping people break out of expensive rent cycles and restrictive mortgages. Less lining pockets, more mortgages with meaning.


Where other mortgage brokers and lenders shy away from situations that aren’t easy for them, complex situations that come from bad credit and self-employment is all we do.

Bad Credit Mortgages
Got bad credit? Doesn’t mean you’re a bad person.

Self-Employed Mortgages
You hustle hard and still get rejected?! Not on our watch.

Another mortgage? Another job for us!

Specialist Mortgages
Situation a bit more complex? That’s what we do.


Jonny needed a mortgage, but after going to his high street bank for help, he was laughed out because he was self-employed and also had a bad credit history. He then spoke to a number of mortgage brokers who all told him his dream of owning a home wasn’t going to happen.

But then Jonny met Paul.

Paul was a specialist mortgage broker who took the time to listen to Jonny, and found him a mortgage with a specialist lender - a lender with human underwriters who looked at the story behind the numbers. Jonny soon realised his situation was far from unique. Lots of eligible people get unfairly turned down for a mortgage - they often aren’t aware there’s a whole specialist mortgage market there to help people just like them. So Jonny and Paul teamed up to create Haysto to make mortgages possible for more people.

Our personal experience means we know how it feels when someone tells you “No” and you feel the dream of owning your own home slipping away. It can be devastating.

But the solution is simple: you need a specialist Mortgage Expert. We’ll match you with one of our experts with a proven track record of helping people like you get a mortgage. They’ll know the specialist lenders who regularly give mortgages to people like you.

Just as Paul made a mortgage possible for Jonny, we’ll work hard to make a mortgage possible for you.

“I never want someone to go through what I went through. The mortgage world is broken. If you don’t have a shiny credit rating or work a 9-5 then most doors are closed to you. I remember going to my bank and being laughed at. I was humiliated. When I found Paul, he genuinely wanted to help - and years later he became my co-founder when we launched Haysto.

We know life has its ups and downs. What's happened in the past shouldn't determine what happens next. But unfortunately that's how most high street banks and mainstream mortgage brokers look at it. Because of this, eligible people are unnecessarily trapped in rent cycles or paying more than they should on their current mortgage.

Haysto's mission is to give everyone an equal chance of homeownership the first time around - without having to be knocked back countless times needlessly.”

Jonny, Haysto Co-founder & CEO


We have first-hand experience of how your mental health can be affected when you get knocked back applying for a mortgage. That’s why every time we complete a mortgage for one of our customers, we donate to the mental health charity Mind, so it can continue to give support to people struggling with mental health problems brought on by financial worries.

We don’t think it’s fair that it’s harder for some people to get a mortgage than others. Those that don’t fit the mould can struggle. So we’re working hard to spread awareness and change misconceptions in the industry to empower more people to get a mortgage, and get the home they deserve.

Haven't we met before?