Remortgaging can be complex because there’s more to consider than the first time round. And a lot of mortgage lenders don’t like complexity. We don’t think that’s fair. So we developed a solution. 

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

Over 50% of our customers have tried to get a mortgage elsewhere. So you’re not alone. 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.

haysto step 1, send enquiry, illustration of man sat on the floor with mobile phone
Step one


Send us the details of your unique situation. It takes 60 seconds and won’t affect your credit score.
haysto step 2, searching for mortgages, illustration of mobile phone with checkboxes
Step two


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.
haysto step 3, matched with broker, illustration of mobile phone with person waving
Step three


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.
haysto step 4, complete, illustration of keys on a keyring
Step four


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.


Here’s a few frequently asked questions about remortgaging.

What is remortgaging?

Why remortgage your home?

Is remortgaging a good way to get rid of debts?

How much does it cost to remortgage?

How long does it take to remortgage?

Do I need a deposit for a remortgage?

Can I remortgage with the same lender?

Can I remortgage with bad credit?

Can I remortgage on a fixed-rate mortgage?

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

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.


Speak to a real person

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


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.


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

Remortgage Calculator

See how much money you might be able to save each month if you move to a new mortgage deal.

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

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