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
Browse all of our available content, including mortgage guides, calculators, blog posts and more.
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5 mins
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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11 mins
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
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
Having a CCJ doesn’t have to mean you can’t get a mortgage. Find out how Haysto could make your mortgage possible.
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9 mins
Had a mortgage declined due to a late payment? Find out how Haysto could help you when others can’t.
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8 mins
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
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 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
Find out what your options are when your mortgage loan ends.
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Discover how much you could potentially borrow, and how much your monthly mortgage repayments could be, all before making a mortgage application.
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Thinking of remortgaging? Our remortgage calculator shows you what your monthly repayments could be, your potential loan-to-value and how much you could save.
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Our self-employed mortgage calculator can show you how much you might be able to borrow, estimate your monthly repayments and calculate loan-to-value.
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Bad credit? Use our bad credit mortgage calculator to estimate your monthly repayments and how much you might be able to borrow before applying.
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Whether you’re self-employed, have credit issues, require specialist help or are just looking to remortgage - we have a calculator for you.
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6 mins
Debunking the misconceptions and stigma around bad credit.
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Find the latest on what we're up to, what's going on in the mortgage world, and some other bits we think you'll find interesting.
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4 mins
More than 1,000 customers have given Haysto a review on Trustpilot - one hell of an achievement!
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5 mins
Find out if taking part in the Don't Pay UK campaign could have a negative impact on your credit history and future mortgage applications.
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6 mins
Inflation is at a 40-year high, and the Bank of England has raised interest rates again. But what does this mean, and what can you do about it?
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4 mins
Monzo is the first major bank to launch its own buy now, pay later (BNPL) scheme. But does using it impact your chances of getting a mortgage?
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4 mins
Find out why you might not need to wait to apply for a mortgage with bad credit.
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3 mins
Find out why you should avoid putting joke references on money transfers, particularly when you're about to submit a mortgage application.
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4 mins
We pride ourselves on making mortgages possible where other banks and brokers failed. Here’s how we do it.
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At Haysto, Tom Drew makes mortgages possible for people with bad credit, those with more complex incomes and those who never thought it'd be possible.
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Head of content at Haysto, previously content manager at OMA. Also, eleven years with HSBC as a senior wealth manager and director of two group subsidiaries.
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Jonathan Moulton is the Co-founder and Chief Executive Officer of Haysto, a digital-first mortgage broker for those who don’t fit the traditional mould.
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Paul is an experienced mortgage expert with many years of experience in the specialist lending industry. He’s also the co-founder of Haysto.
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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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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.
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