How it works

We provide the market’s most personalised mortgage experience by matching customers to specialist mortgage brokers based on their unique situation.

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Why:

Traditional lenders and automated online mortgage platforms typically reject borrowers if they have a less-than-traditional income or have a history of bad credit. We know that a growing number of people are working in less conventional ways, and that life isn’t always straight forward but with the right experts there are always possibilities.

How we do this:

We’ve developed what we believe to be the simplest and most effective way to approach mortgages for those who don’t fit traditional highstreet lending criteria. Using our platform guarantees you’ll be matched with a specialist who has a proven track record of making mortgages possible for people like you. Less processing, More understanding.

Here’s how it works:

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First, you fill in a form that sends us the details of your unique situation. It takes 60 seconds and won’t affect your credit score.

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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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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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Your broker will do all the heavy lifting. They’ll be with you every step of the way. And you only pay your broker when your mortgage is approved.

How much your broker will cost

How much your broker will cost depends on your unique situation.

Your broker will explain their fee when you speak to them. If they can’t help you, you won’t pay a penny to your broker.

Brokers charge different fees depending on how complex your situation is, their expertise, and how many hours they work on your application.

It works on a tiered system:

Tier 1:

£0 - £495

Basic salary income


No adverse credit


Standard built properties
e.g. built with bricks, tiled roof

Tier 2:

£0 - £995

Multiple income
e.g. basic salary plus bonus, commission and/or self-employed income

Minor adverse credit issues
e.g. late payments or CCJs

Complex property types
e.g. properties built with concrete or timber

Tier 3:

£0 - £1,495

Complex income types
e.g. contractors, overseas income

Severe adverse credit
e.g. bankruptcy, IVAs, repossessions

Unusual property types
e.g. self-built homes, properties above shops or flats in high-rise blocks

The absolute maximum you could potentially be charged is £1,495¹. But you would only be charged if your case is highly complex. A complex case would be if you’ve got severe adverse credit, which is things like bankruptcy, repossessions of your home, or IVAs.

¹In some remortgaging cases, you could have the option to roll this cost into your new mortgage rather than pay this as lump sum.

Our brokers

The brokers we work with are fully qualified, experts in bad credit, self-employed and complex mortgages. They all have a proven track record of getting mortgages for people who have been rejected elsewhere.

Our brokers are independent, which means they don’t work directly for Haysto. However, each broker goes through Haysto's accreditation program, thorough background checks and on-going training and reviews with us, to make sure they’re the kind of specialist you need.

Our algorithm-powered platform uses the information from your inquiry form and analyses it against every mortgage our brokers have completed over the last 24 months to then match you to the perfect broker. Your broker will always have experience completing a mortgage for someone in your unique situation. We then connect you both, so they can get to work on making a mortgage possible for you.

Commitment fee

After you’ve spoken to your mortgage broker, you’ll be asked if you want to continue with them, so they can start work on your mortgage application.

At this point, you might be asked to pay a commitment fee to secure their help. The maximum commitment fee you could pay will be £299. This fee will then be deducted from the overall fee you’ll pay your broker.

If for some reason your broker fails to get a mortgage for you, you’ll get this money back.

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How we make money

You don’t pay Haysto a penny. We only get paid when your mortgage is approved. So it’s in our interest to match you with a broker who’ll make a mortgage possible for you.

When your mortgage completes, your broker gets paid by the lender. Your broker then pays us a fee too. Most lenders pay brokers and mortgage finding businesses in this way.

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

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