Looking to Fly the Family Nest? Jump on Board!

Meet George and Paige

George and Paige have been living with Paige’s mum for the last four years in Sheffield, South Yorkshire. George (25) is a Sales Manager for a local plastics engineering company, and Paige (27) is a legal secretary for a large UK law firm. Having reached the point of wanting their own independence and space, they were keen to take their first steps on the property ladder. 

However, their homeownership ambitions were hampered by a default recorded on George’s credit profile dating back to 2021, as a result of a loan he’d taken out to pay for repairs to his car. The loan company from which he borrowed the money were subsequently reported for widespread mis-selling, and George would later receive financial compensation, but not before the high-interest repayments had taken their toll on his credit profile. 

During the early stages of their property search, they approached two mainstream lenders for a mortgage and on both occasions were rejected, with one lender setting a maximum borrowing limit of £58,000 and the other insisting that a minimum deposit of 20% would be required before they could consider their application any further. 

At this stage, armed with only a modest sum for a deposit and still feeling weighed down by their previous credit issues, George and Paige all but gave up on their dream of owning their own home. 

Despite this, they continued to keep a close eye on their credit scores through their account with Experian, which is where they discovered Haysto. 

How did we help?

George and Paige first approached Haysto in March 2025. Initially, they felt slightly despondent about their chances, but were immediately put at ease by their Mortgage Advisor, Alex. Having assessed their customer profile, including the defaults registered on George’s credit record from four years ago, Alex told them he was confident that he could find a specialist mortgage lender who would consider their application.

The reason Alex could make such a bold statement was centred on his knowledge of how specialist lenders operate. Alex knew that George and Paige’s case needed a more human approach, one where our team could explain their situation without fear of receiving an automated rejection. 

George and Paige also needed time to find the right property whilst building up enough funds to pay for all the costs involved with moving home, and found a team in Haysto who were more than happy to wait for them. 

By August 2025, they’d finally found the perfect home in Worksop, just 20 miles outside Sheffield, and agreed a purchase price of £135,000. Having saved up a 5% deposit of £6,750, Alex quickly secured their Agreement In Principle with Aldemore Mortgages in just two days and managed to get their mortgage offer over the line a few weeks later. 

What George and Paige say

“The team at Haysto gave us the confidence we needed to believe that buying our own home was possible. At first, we still thought our application would be rejected, but we received regular updates at every step and just needed to be patient. 

The process felt really clear and easy to follow. The online portal is so simple to use, allowing us to upload all our documents there and then. The communication was great and the whole team have been amazing from start to finish. Now we have all the space we need in a home we can call our own.”