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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7 mins
Changing a Repayment Mortgage to Interest-Only
Find out how to change from a repayment mortgage to an interest-only mortgage and the reasons why this might be necessary.
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8 mins
How Much Deposit Do I Need to Buy a House?
Find out how much deposit you'll need for a house in the UK and what special schemes are available to help people with a low deposit.
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7 mins
Mortgage Types And Rates For Bad Credit
Find out the different types of mortgage repayment methods you can have and the different types of interest rates available if you have bad credit.
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9 mins
Can I Get a Mortgage With Low Income?
Are you looking for a mortgage but worried you won't have enough income? Find out if getting a mortgage is still possible and what proof of income you'll need.
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4 mins
Buy-to-Let Mortgages Explained
When you buy a property as an investment instead of a home, your mortgage will be slightly different. You’ll need a specialist buy-to-let mortgage.
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8 mins
10 Mortgage Myths
Learn all about the most common myths about applying for a mortgage and why the reality could be very different with help from an experienced mortgage broker.
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16 mins
How To Get Mortgage-ready
Preparing for a mortgage application can feel quite daunting. Learn about all the paperwork you'll need to put together and what lenders will look for.
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8 mins
Contractor Mortgages
Looking for a mortgage as a contractor? Discover how Haysto can help you find affordable mortgage solutions that suit your needs.
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7 mins
What To Do If You've Been Refused a Mortgage
Find out what process you should follow if you’ve recently been refused a mortgage
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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.