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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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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13 mins
How To Remortgage With Bad Credit
Can you remortgage with bad credit? Yes, it's possible. Find out how Haysto's award-winning service can help improve your chances if you have adverse credit.
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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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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
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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10 mins
Shared Ownership Mortgage With Bad Credit
Can you get a shared ownership mortgage with bad credit? Find out how Haysto can help you find an affordable mortgage solution that suits your needs.
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10 mins
Getting a Joint Mortgage When One Applicant Has Bad Credit
Looking for a joint mortgage, but one applicant has bad credit? Find out how Haysto could help make your mortgage possible.
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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.