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, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair. 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 the right broker 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 deserve to get a mortgage

Even without a shiny credit record or if your situation isn’t black and white.

It’s hard out there

We get it. 50% of our customers have been turned down elsewhere. We can help.

Meeting the right broker makes all the difference

We don’t believe in automated mortgages. A human is always better than a robot.

Our focus is on the individuals

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.


We can make it happen even if it’s proving difficult this time around.

Specialist Mortgages

Situation a bit more complex? No problem. We can help.

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Haysto founders illustration jon and paul

Our story

Our co-founder, Jon, was told getting a mortgage was impossible because he was self-employed and also had a bad credit history.

But that wasn’t true.

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

Paul is a specialist mortgage broker. He helps people who don’t fit the mould get a mortgage – even if they’ve been laughed out of the bank, or the computer said “no”.

After Paul made a mortgage possible for Jon, Jon realised his situation was far from unique. Loads of people get unfairly turned down for a mortgage. So he set up Haysto with Paul to help make mortgages possible for people like you.

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 really quite devastating.

But the solution is simple: you need a specialist broker. Over 50% of mortgages available to those who are self-employed or have bad credit are only available through specialist brokers.

So we use technology to match you with someone who’s got a proven track record of helping people like you get a mortgage. They’ll have the expertise and relationships with specialist lenders who regularly give mortgages to people like you.

Just as Paul made a mortgage possible for Jon, we can make a mortgage possible for you.

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Our mental health promise

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.

Get connected to a 5* specialist mortgage broker who can make a mortgage possible.

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