Bad Credit Mortgages

GOOD PEOPLE,
BAD CREDIT

Some banks and mortgage brokers will make you feel like a bad person when they refuse to give you a mortgage. Automated online mortgage advisors won’t judge for themselves. It’s a case of: Bad credit = Computer says ‘No’. We don’t think that’s fair. So we’ve developed a solution. 

Our platform uses a clever algorithm to match you to the perfect bad credit mortgage broker for your unique situation. Someone who’s up for the challenge, and has a proven track record of making bad credit mortgages possible for people like you. 

70% of people worry they won’t get a mortgage because of bad credit. But we can help.

How it works

We know nothing replaces humans when it comes to understanding individual needs and circumstances. Not every customer is the same, so we match you with your own specialist broker, someone with a track-record of helping people in your situation. Dealt with by people, not robots.

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Step one

Send

Send us the details of your unique situation. It takes 60 seconds and won’t affect your credit score.
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Step two

Search

Our platform searches over 90 mortgage lenders to uncover the right mortgages for you. Often these aren’t available directly from lenders and only through specialist and trusted brokers.
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Step three

Match

Our algorithm then matches you to the perfect mortgage broker who has expert knowledge of these mortgages and proven experience in getting people just like you a mortgage.
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Step four

Complete

Talk directly to your personal broker at any time to receive expert advice while they secure the best mortgage for you. Login to track your application 24/7.

GOT QUESTIONS?

Here’s a few frequently asked questions about bad credit mortgages.

What is bad credit?

Can I get a mortgage with a bad credit history?

What is a bad credit mortgage?

How much deposit do I need for a bad credit mortgage?

How does having a poor credit score affect my mortgage application?

What other factors besides bad credit affect my mortgage application?

How will my salary affect my mortgage application?

Do all lenders accept applicants with a bad credit history?

Which lenders offer bad credit mortgages?

What credit score do I need to get a mortgage?

How does bad credit impact mortgage repayments?

What is a bad credit score?

How can I check my credit score?

How can I improve my credit rating?

Can I get a mortgage with a 550 credit score?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. 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.

Read our story
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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Our calculators

Bad Credit Calculator

See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.

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Get connected to a specialist bad credit mortgage broker who can make a mortgage possible for you.

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