Our story

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Why we exist

Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating or a straightforward income, the odds are completely stacked against you. Things like bad credit don’t make you a bad person. And you should never feel like that. So, we developed a solution.

Most online mortgage brokers and traditional lenders use automated decision making to determine eligibility, but this doesn’t work for complex situations. More often than not, when you don’t fit into a box, the computer will say “No”.

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 an expert who’s up for the challenge and has a proven track record of making mortgages possible for people just like you. When we’ve done that, the rest falls into place. Meet the experts. Not the robots.

You could still get a mortgage

Even if you’ve been turned down elsewhere. If you don’t have a shiny credit record or if your situation isn’t straightforward, you could still have options.

Having the right expert makes all the difference

We don’t believe in automated mortgage decision-making. Sometimes, you just need to explain the story behind the numbers. We match you to one of our Mortgage Experts who’ll take the time to understand.

Judgement-free zone

Life has its ups and downs. We get it. Our Mortgage Experts have seen it all and aren’t judgemental.


Where other mortgage brokers and lenders shy away from situations that aren’t easy for them, complex situations that come from bad credit and self-employment is all we do.

Bad Credit Mortgages

Got bad credit? Doesn’t mean you’re a bad person.

Self-Employed Mortgages

You hustle hard and still get rejected?! Not on our watch.


Another mortgage? Another job for us!

Specialist Mortgages

Situation a bit more complex? That’s what we do.

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Haysto founders illustration jon and paul


Jonny needed a mortgage, but after going to a mortgage broker for help, he was laughed at and told it was impossible because he was self-employed and also had a bad credit history.

Jonny just needed to meet Paul – the other Haysto co-founder.

Paul took the time to listen to Jonny, and found him a mortgage with a specialist lender - a lender with human underwriters who looked for the story behind the numbers. Jonny soon realised his situation was far from unique. Lots of eligible people get unfairly turned down for a mortgage - they often aren’t aware there’s a whole specialist mortgage market there to help people just like them. So Jonny and Paul teamed up to create Haysto to make mortgages possible for more people.

Our personal experience means we know how it feels when someone tells you “No” and you feel the dream of owning your own home slipping away. It can be devastating.

But the solution is simple: you need a specialist Mortgage Expert. We’ll match you with one of our experts with a proven track record of helping people like you get a mortgage. They’ll know the specialist lenders who regularly give mortgages to people like you.

Just as Paul made a mortgage possible for Jonny, we’ll work hard to make a mortgage possible for you.

“I never want someone to go through what I went through. I remember sitting in a mortgage broker’s office having worked really hard. He went through my earnings and my credit score -then put it all into a computer … and laughed out loud. He told me I'd never get a mortgage. I was humiliated. When I found Paul, he genuinely wanted to help me - and years later he became my co-founder when we launched Haysto."
Jonny, Haysto Co-founder

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We have first-hand experience of how your mental health can be affected when you get knocked back applying for a mortgage. That’s why every time we complete a mortgage for one of our customers, we donate to the mental health charity Mind so they can continue to give support to people struggling with mental health brought on by financial worries.

We don’t think it’s fair that it’s harder for some people to get a mortgage than others. Those that don’t fit the mould, can struggle. So we’re working hard to spread awareness and change misconceptions in the industry to empower more people to get a mortgage, and get the home they deserve.

Talk to our Mortgage Experts to find out your options

Haven't we met before?