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
Can You Have More Than One Mortgage?
Are multiple mortgages allowed? If so, how does it all work? Find out everything you need to know right here.
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8 mins
Getting a Mortgage With a CCJ
Having a CCJ doesn’t have to mean you can’t get a mortgage. See how Haysto could help you find an affordable mortgage solution that suits your needs.
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9 mins
Getting a Mortgage After Late Payments
Had a mortgage declined due to a late payment? We understand and can help you explore mortgage options that suit your needs.
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8 mins
What Credit Score Do You Need For a Mortgage?
Your credit score is one important factor when applying for a mortgage. Find out what credit score you'll need and how to download your credit report.
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13 mins
How Does Remortgaging Work?
Find out everything you need to know about remortgaging, and how Haysto could help you find the right lenders offering the most competitive interest rates.
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11 mins
Checkmyfile Explained
Checkmyfile shows you credit scores from the credit reports of the three main credit reference agencies: Experian, Equifax and TransUnion.
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7 mins
Remortgaging To Release Equity
Find out everything you need about remortgaging to release equity from your home and how Haysto could help make your remortgage possible.
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12 mins
Getting a Mortgage When Self-Employed
Find out everything you need to know about getting a mortgage if you’re self-employed and how Haysto could help you find the right solution to suit your needs.
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8 mins
Can I Rent a House If I Have Bad Credit?
Find out if it's possible to rent a house when you have a bad credit rating and what checks a landlord may make before approving your rental application.
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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.