Bad credit? We’ve got your back. We’re the experts who turn “no” into “home”. Explore everything you need to make homeownership happen, regardless of your credit history.
View allSelf-employed? No problem. We’re specialists in making mortgages work for you. Here’s everything you need to tackle the mortgage maze, without the usual hassle.
View allGot a unique situation? We’ve got you covered. As specialist mortgage experts, we cut through the noise to get you what you need. Find your path to homeownership here.
View allRemortgaging doesn’t have to be a headache. We’re the experts who get it done. Find straightforward advice to remortgage with confidence, no matter your circumstances.
View allYour go-to hub for all the other need-to-know mortgage information. From guides to FAQs, we’ve got the answers, no matter your situation.
View allGetting a Joint Mortgage When One Applicant Has Bad Credit
Bad Credit Mortgages
Looking for a mortgage with bad credit? We’ve got your back, with a proven track record of making mortgages possible for people like you. No judgement, just expert support.
Our Promise
A True AIP
24 Hour Service
Rate Guarantee
Our Promise
A True AIP
24 Hour Service
Rate Guarantee
Why Haysto?
The No.1 Bad Credit Mortgage Brokers
We don't believe bad credit should be a permanent barrier to getting a mortgage. Haysto exists to make homeownership a reality for everyone - cutting through the noise with a mix of tech-smarts and human hearts.
Our Guides
Bad Credit Mortgage Guides
We specialise in helping people with all types of bad credit secure the mortgage they need, including CCJs, defaults, IVAs, late or missed payments, and discharged bankruptcies. Read our guides below to find out how we can help you when other brokers can’t.
11 mins
How To Remortgage With Bad Credit
You can still remortgage with bad credit. Find out how Haysto can help you find the best remortgage deals to suit your circumstances.
Read guide
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. Find out how Haysto could make your mortgage possible.
Read guide
9 mins
Getting a Mortgage After Late Payments
Had a mortgage declined due to a late payment? Find out how Haysto could help you when others can’t.
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11 mins
Getting a Mortgage After a Repossession
A repossession doesn’t have to be a permanent roadblock to getting a mortgage. Find out how Haysto could make your mortgage possible.
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7 mins
Mortgages After Using Payday Loans
Having a payday loan doesn’t mean you can’t get a mortgage. Find out how Haysto can make your mortgage possible.
Read guide
9 mins
How To Get a Mortgage With No Credit History
No credit history doesn’t have to be a permanent barrier to getting a mortgage. Find out how Haysto could help make your mortgage possible.
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6 mins
Mortgage After Bankruptcy
Bankruptcy doesn’t have to be a permanent barrier to getting a mortgage. Find out how Haysto could help make your mortgage possible.
Read guide
8 mins
Mortgages With a Debt Management Plan (DMP)
Want to know if you can get a mortgage with a Debt Management Plan (DMP)? Find out how Haysto could make your mortgage possible.
Read guide
How It Works
Tech Smarts, Human Hearts
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 the right mortgage for you. Meet the experts. Not the robots.
Get Started Now
No More Computer Says No
- Compassion-led, zero judgement.
- Our tech was built to empower you.
No More Being Ghosted
- We work for you. Not the lenders, or the banks.
- Book a call anytime. Message our team 24/7.
No More Confusing Processes
- See your progress in real time in your portal.
- Manage your docs and info all in your portal.
No More Feeling Hopeless
- No-nonsense advice – no matter your situation.
- We exhaust every avenue to find you a mortgage.
What People Say
See How We Make A Difference
Life-changing stories straight from our customers. Read how we made mortgage possible for those who have previously thought it wasn’t.
We’re over the moon that we can now call ourselves homeowners for the first time. We owe everything to Haysto.
Kate & Arjun
Read Their Story
We make mortgages possible. Bad credit? Self-employed? Complex situation? No problem. You’re in the right place. We get it, and we can help.
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Information
Tools & Guides
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
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.