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.
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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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6 mins
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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5 mins
Find out how repayment mortgages work, how they differ from interest-only mortgages and if you can switch from one repayment method to the other.
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10 mins
Can you get a shared ownership mortgage with bad credit? Find out how this could be possible and why Haysto can help when other brokers can't.
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5 mins
Find out what options you have if your mortgage is rejected due to affordability.
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13 mins
Find out everything you need to know about the home-buying process if you're a first-time buyer and how Haysto can help you when other brokers can't.
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4 mins
Confused about conveyancing? Find out everything you need to know about mortgage solicitors and the legal side of buying a home.
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8 mins
If you're over 55, find out everything you need to know about Equity Release Schemes.
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10 mins
Looking for a joint mortgage, but one applicant has bad credit? Find out how Haysto could help make your mortgage possible when other brokers can't.
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7 mins
Find out everything you need to know about how to get a mortgage if you're either an expat living overseas or returning to the UK.
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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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3 mins
If you’ve been affected, this page is updated regularly to include the latest information about mortgages and Covid-19
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4 mins
Funding from CEO and Co-founder of OakNorth Rishi Khosla OBE and Salesforce veteran Dr Steve Garnett propels Haysto's mission to empower customers.
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3 mins
Jonny Magill becomes Haysto's latest C-level appointment, bringing a wealth of knowledge from previous roles at Tesco, Sainsbury’s, Strike Ltd and Purplebricks.
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3 mins
Need a mortgage but worried about credit card debts? It can be done! See how we helped single dad Lennie after his bank turned him down.
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3 mins
Need a mortgage but worried about low income? It can be done! See how we helped Martin and Julian get a Help to Buy mortgage after their bank turned them down.
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4 mins
Need a mortgage but worried about being a single parent with bad credit? It can be done! See how we helped Maya find her dream home.
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3 mins
Need to remortgage but worried about being self-employed? It can be done! See how we helped Meghan and Stu get a mortgage after their bank turned them down.
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7 mins
How has the COVID-19 pandemic changed the UK property market? Which locations have seen the most property sales? We used public government data to find out.
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4 mins
Need a mortgage but worried about being self-employed with bad credit? It can be done! See how we helped Fran and Kim get on the property ladder.
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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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