Michael Whitehead
Head of Content
Michael leads content across Haysto, with a focus on specialist mortgage scenarios. He helps borrowers with more complex circumstances understand how lenders assess affordability, risk, and eligibility. A seasoned copywriter and editor, he’s been writing about mortgages and personal finance since 2012. Michael joined Haysto in 2024 and was closely involved in creating our mainstream sister brand, Picnic Mortgages, helping shape its content strategy and tone ahead of the site’s launch in 2025. Before moving into financial content full-time, Michael spent eleven years at HSBC Bank as a senior wealth manager, working both in the UK and internationally. During this time, he also served as a director of two HSBC Group subsidiaries and holds a Financial Planning Certificate from the Chartered Insurance Institute.
Mike Whitehead
Mortgage Guides
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5 mins
Mortgage Declined By HSBC? Here’s What To Do Next.
Have you recently had your mortgage application declined by HSBC? Find out how Haysto can help make your mortgage possible.
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9 mins
First Homes Scheme
Find out everything you need to know about the First Homes Scheme and how Haysto could help make your mortgage possible.
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6 mins
Mortgage Guarantee Scheme
Everything you need to know about the government-backed Mortgage Guarantee Scheme.
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6 mins
Deposit Unlock Scheme Explained
If you’re a first-time buyer or home mover, the Deposit Unlock Scheme could provide you with the keys to a brand new home with just a 5% deposit.
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10 mins
What Is a Bad Credit Score?
Find out everything you need to know about what is considered a bad credit score and how you can improve your credit rating to get a mortgage.
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16 mins
Getting a Mortgage With Bad Credit
Bad credit doesn’t mean you can’t get a mortgage. Our guide to bad credit mortgages explains how we can help make your mortgage possible.
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7 mins
Remortgaging for Home Improvements
Find out everything you need to know about remortgaging for home improvements and how Haysto could help make your remortgage possible.
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9 mins
Shared Ownership Mortgages
Find out everything you need to know about shared ownership mortgages and how Haysto can help you find the most competitive rates.
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5 mins
Bad Credit Mortgage Lenders
Find out who the best bad credit mortgage lenders are and how Haysto could make your mortgage possible due to our strong working relationship with them.
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Information
Tools & Guides
Haysto, a trading style of Haysto Ltd, is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.Registered Office: Haysto, Crystal House, 24 Cattle Market Street, Norwich, NR1 3DY. Registered in England and Wales No. 12527065
There may be a fee for mortgage advice. The exact amount depends upon your circumstances but will range from £599 to £1599 and this will be discussed and agreed with you at the earliest opportunity.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Your home may be repossessed if you do not keep up repayments on your mortgage.