I impressed by the outstanding work of the Hysto team. Finally, we secured our mortgage 2nd time even after the refusal of first property. Everytime, I called or sent messages, got fast response fro... See more
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Haysto — Mortgages Made Possible
Award-winning: Winner of the “Treating Customers Fairly Champion” at the British Bank Awards 2025.
Why we exist
Around 1 in 5 people in the UK are initially declined a mortgage by some high-street lenders because of their credit history, being self-employed, or having more complex circumstances.Haysto was built to solve this. In just a few years, we’ve become one of the UK’s leading specialist mortgage brokerages, helping thousands of people who thought homeownership wasn’t possible.
We didn’t stop there
We’ve taken what we learned making mortgages possible for more complex cases and applied it to everyone. Picnic makes mortgages simple, transparent and digital-first — the same high-touch service and technology for the other 4 in 5 too.
Which is right for me?
• Haysto: a good fit when things are more complex — self-employed, credit blips, non-standard income, or past declines.
• Picnic: a good fit when your needs are simpler and you want clear, straightforward guidance.
You may still be eligible
Even after a decline, there can be options with the right expert. Many customers come to Haysto after being declined elsewhere. All applications are subject to status and lender criteria.
Start with Haysto | Start with Picnic | Mortgage guides | Our Promise
Not sure where to start? Pick any link — we’ll route you to the right team.
Risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
A fee may be payable for mortgage advice. We will confirm any fee and any commission we receive from the lender before you apply.
*Indicative industry estimate; details available on request. **Subject to receiving required documents and case suitability. ***T&Cs apply; like-for-like product and circumstances — see Our Promise for details.
Picnic is a trading style of Haysto Ltd. Haysto Ltd is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Haysto, Crystal House, 24 Cattle Market Street, Norwich, NR1 3DY. Registered in England and Wales No. 12527065.
True AIP, 24-hour fast-track, £100 rate guarantee

Crystal House, 24 Cattle Market Street, NR1 3DY, Norwich, United Kingdom
Replied to 100% of negative reviews
Typically replies within 24 hours
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Just want to say that everyone was so helpful. I honestly had no problem if I needed help with anything the team were straight on it . You went up and beyond so thank you so much
Kate and Gareth
Really impressed with the service provided to me by Haysto, Constantly kept in the loop with what is happening throughout the process. They provided me with all the answers to questions I have had going through the system and made sure I understood exactly what I should expect what comes next in the process.
100% would recommend.
I used haysto to acquire a mortgage due to poor credit rating, they were absolutely brilliant, from the first step to the last, you get your own dedicated team, that really makes you feel like a valued customer. Even after my mortgage offer, and after I handed over the fee that was pre arranged, they are still texting and calling to see if there is anything else to do.
Not sure if im allowed to have drop, but if you get lesley as your mortgage advisor then you've hit the jackpot.
Really lovely and really knowledgeable, was a massive help to me.
Overall very impressed with the service received.
Haysto have been very helpful throughout the whole process, particularly Charlie W who has been on hand for excellent advice
The entire process was easy, no pressure to accept any particular product that was offered. Proving ID was entirely online, as was the application from start to finish.
The portal was easy to access and use making viewing documents a piece of cake.
As a self employed worker providing financial details was simple.
Would recommend Haysto to anyone.
I used Haysto for my mortgage application as I needed a specialist mortgage due to some issues with the property. My adviser, Jeff, was absolutely brilliant, incredibly fast, professional, responsive, and supportive throughout the entire process. He moved everything along so quickly, and thanks to his expertise, I received a mortgage offer within just 3 weeks.
⭐️⭐️⭐️⭐️⭐️
We started this process feeling pretty deflated, if I’m honest. Because of past credit issues, we’d already been told we’d probably need a 10% deposit and would be looking at high interest rates. As first-time buyers, that was hard to hear and it made everything feel that bit more out of reach.
Then we spoke to Haysto — and things moved really quickly.
Within a couple of days they’d found us a 5% deposit mortgage. We genuinely didn’t expect that to be possible for us. That was the moment it started to feel real instead of stressful.
As first-time buyers we had absolutely no idea what we were doing, and that’s where they really helped. They don’t just sort the mortgage and disappear — they actually guide you through it. The portal is easy to use, they keep you updated, and you’re never left wondering what’s going on.
Josh, our advisor, has been brilliant. Super knowledgeable, quick to reply (which makes such a difference when you’re panicking about something!), and he explains everything in a way that actually makes sense. No pressure, no jargon — just straight answers and support.
Brad made sorting the insurance really straightforward, and Mark and Daniel were also great whenever we needed help.
If you’re feeling stuck because of credit history or you’re a first-time buyer who feels a bit lost, I’d definitely recommend speaking to them. We went from feeling pretty hopeless to actually buying our first home — which still feels a bit surreal.
Really grateful for the whole team.
What a fantastic team of people behind Haysto! I spoke to Tom, Lisa, Richard, Anna and Stephanie at various parts of the process who were all really supportive and knowledgeable. It was great to have specialists in each area holding my hand every step of the way. The process was incredibly smooth and everything was explained clearly and in terms that were understandable and clear. Also it was refreshing to work with a company that aren't just trying to sell you the most expensive offer or the cheapest - they really tailor the package to you.
I would highly recommend Haysto for anyone, not only those struggling to get a mortgage but even for straightforward applications as the process is managed in one location and they ensure smooth communications between everyone.
We wanted to take a moment to express our heartfelt gratitude to Lisa and Charley at Haysto for their unwavering support throughout our mortgage journey. As first-time buyers with the added complexities of being self-employed and having a checkered credit history, we genuinely believed that securing a mortgage was a long shot.
From the outset, the team at Haysto were nothing short of exceptional. They were professional, friendly, and, most importantly, non-judgemental. They took the time to thoroughly understand our unique situation and provided clear, honest advice about what we could expect. At no point did we feel like we were just another case; instead, we felt genuinely cared for.
Communication was a standout aspect of our experience. We were kept in the loop at every stage, and any questions we had were promptly answered. This level of transparency and responsiveness made the entire process far less stressful than we had anticipated.
The team at Haysto worked tirelessly to find a lender who would consider our circumstances and supported us all the way through to completion. Thanks to their efforts, we are now proud homeowners, a reality we never thought possible.
We cannot recommend Haysto highly enough, especially for those who are self-employed, first-time buyers, or have concerns about their credit history. Their dedication and expertise have made all the difference for us, and we are incredibly grateful.
Again many thanks Lou & Mel
I was just so impressed at how easy lisa neil made me fell about the whole process she was always there if I had a questions and would inform me every step of the way,just amazing 👏 many thanks to the whole company👏 but above all lisa your a rock 😊😊

Reply from Haysto
The team at Haysto were fantastic, from the first call with Jordan J, right through to Robin N, Emeric P, Josh H, Laura C and Nasya S they have all truly been amazing.
They are always to hand, easily contactable through there portal and always provide you information from the start.
Cant thank them enough. Great company, will defiantly use Haysto again.
Thanks so much!!

Reply from Haysto
I have always felt anxiety and stress when applying for a mortgage but coming to Haysto has really made the process feel easy! Such an amazing team, very person I have spoken to has been super helpful and kind! I can’t thank them enough for helping us to purchase our first home. So so worth it!!

Reply from Haysto
Where do we start,
This company has changed our lives and the level of service is unbeatable.
From the first call with Neil our mortgage advisor, we were fully reassured and he restored our confidence about getting a mortgage. He also provided Solicitor quotes and did everything for us. He also got us a great deal on our AIP. Neil is a major asset to Haysto and we couldn’t thanks and recommend him enough.
We then had the pleasure of dealing with Ryan who put our application in. He was very on the ball and kept us informed. We also spoke with Brad who took his time to get us the best possible housing insurance. He was extremely knowledgable and friendly. These were all extra parts of the service that we didn’t expect to receive.
We were then handed to Laura as our case manager. She was absolutely exceptional and kept us updated the whole way. She got the job done very efficiently and got us our mortgage offer in under 2 weeks with a lender that can take a-lot longer. She was absolutely amazing and a huge credit to herself and Haysto.
If anyone are thinking about getting a Mortgage please consider Haysto!
Without them we wouldn’t be getting the keys to our dream home!
If i could give more than 5 stars i would!

Reply from Haysto
I had a great experience working with this broker for my remortgage. They were extremely professional, knowledgeable, and supportive throughout the whole process. Everything was explained clearly, and they were always available to answer my questions, which made the experience much less stressful.
Their efficiency and attention to detail really stood out, and I felt confident that my mortgage was in safe hands from start to finish. I highly recommend their services to anyone looking for a reliable and helpful mortgage broker.

Reply from Haysto
I impressed by the outstanding work of the Hysto team. Finally, we secured our mortgage 2nd time even after the refusal of first property. Everytime, I called or sent messages, got fast response from them.Feeling ecstatic when recieved all the documentation get done so quickly with their professional assistance and tolerance.
Thanks

Reply from Haysto
**I honestly can’t speak highly enough of Haysto.** From the moment I signed up, the team was proactive, professional, and incredibly supportive throughout. They made the whole process feel seamless and stress-free—you genuinely feel like they take care of everything for you.
A huge thank you to **Charlie, Spencer, Mark, Brad, and Laura**—you have all been amazing. Your communication, dedication, and personal support have been outstanding from start to finish.
I would **highly recommend Haysto** to anyone looking for a company that truly puts customers first. Exceptional service all round!

Reply from Haysto
Mark and his team are the best 👌 because of you my mortgage has been approved. Very professional with lots of experience. I highly recommend them to everyone. ⭐️⭐️⭐️⭐️⭐️

Reply from Haysto
Lisa and her team were exceptional from start to finish. Their responsiveness was outstanding, and they took the time to explain everything clearly and transparently. A genuinely seamless experience — highly recommended.

Reply from Haysto
I couldn’t recommend Haysto enough to anybody thinking they can’t get a mortgage! We reached out thinking we wouldn’t be able to get a mortgage and wanted to understand what steps we should take to work towards one. After a couple of calls with our advisor Lesley we had a AIP and full mortgage approval within a month! Lesley was amazing offering support and top advice throughout making us feel comfortable with next steps and what the process was likely to look like! Massive credit to the Haysto team! Would recommend to everyone!

Reply from Haysto
Great mortgage company, honestly did not think it was possible to get a mortgage with my circumstances. They made it possible within a very short time. Would definitely recommend.

Reply from Haysto
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