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
Additional Mortgage Information
Not sure what you’re looking for? Don’t worry. We’ve got guides on everything mortgage-related, even the tricky stuff. At Haysto, we help people from all walks of life make mortgages possible.
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A True AIP
24 Hour Service
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Our Promise
A True AIP
24 Hour Service
Rate Guarantee
Why Haysto?
The no.1 Specialist Mortgage Broker
We’re here for those with complex situations – the ones who don’t fit into the usual boxes. When the “computer says no”, turn to Haysto.
Our Guides
Additional Mortgage Information
We understand the challenges that come with low credit scores, unusual financial circumstances, or not fitting the standard mould. As the go-to broker for people in tricky situations, we’ve helped thousands achieve homeownership. Read our guides below to find out how we can help you when other brokers can’t.
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12 mins
What Mortgage Lenders Look For In Mortgage Applicants
Find out exactly what mortgage lenders look for in a mortgage applicant and how Haysto could help you navigate safely through the application process.
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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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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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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
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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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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9 mins
Getting a Mortgage As a Single Person
Getting a mortgage as a single person can often be more straightforward than a joint application. Find out how Haysto could help make your mortgage possible.
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4 mins
What Happens When My Mortgage Ends?
Find out what your options are when your mortgage loan ends.
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6 mins
Using Bonuses and Commission on Your Mortgage Application
Find out if it's possible to use income received from bonuses and commissions in addition to your basic salary to borrow more for your mortgage.
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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.
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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.
I was in a difficult situation and struggling to see a way out. Haysto helped turn this around
Lennie
Read Lennie's 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.