Haysto Review: Is This the Right Broker for Complex Cases?

Getting a mortgage when you’re not the typical homebuyer is stressful.

Maybe you’re in a non-traditional job, rely on multiple income streams, or have a bad credit score that’s making lenders hesitant.

Whatever the reason, finding a mortgage feels more complicated than it should be, and you’re looking for a broker who really understands your situation. 

Haysto caught your eye as a company that handles the “unusual” cases. 

In this full review, we’ll take a deep dive into Haysto’s services, approach, and how they stack up in the mortgage market—so you can decide if they’re the right fit for you.

What Is Haysto?

Haysto is a specialist mortgage broker that focuses on helping people who might struggle to secure a mortgage. 

Whether you have bad credit, are self-employed, or have a tricky financial history, Haysto specialises in making mortgages more accessible for you.

Their service is personal and bespoke—no cookie-cutter solutions here. 

They take the time to understand your situation and connect you with a mortgage expert who knows how to handle cases like yours.

How Do They Work?

The process is straightforward. You start by filling out a quick online form with some basic details. 

Haysto then searches through over 12,000 mortgage products to find the right options for you. You’ll be paired with an advisor who will guide you through the process and explain your choices.

Because Haysto works with a wide range of lenders and isn’t tied to any one provider, you’ll have access to more options and a better chance of finding the right mortgage.

Haysto combines smart technology with human support. Their algorithms match you with suitable lenders, but real people handle the advice and application process. 

They also provide a “True Agreement in Principle” (AIP), so you’ll know upfront if a mortgage is realistic for you.

What Makes Haysto Different?

For starters, they specialise in the complicated side of the market. 

If you’re self-employed, have a poor credit history, or have a complex financial setup, Haysto is geared up to assist. 

They specialise in cases that might make other brokers hesitate.

What makes them different? 

They understand the details of complex applications and have helped many people who’ve been turned away elsewhere. 

Basically, they won’t give up on you.

Their fees are upfront and straightforward, so there are no surprises. You’ll pay a £99 Commitment Fee at the start, which is refunded if your application doesn’t go ahead. 

If they secure a mortgage for you, there’s an Offer Fee, but the total cost is capped at £1,499, so you’ll know exactly what you’re paying.

Haysto is also regulated by the Financial Conduct Authority (FCA), which means they stick to industry standards and have your best interests at heart.

But it’s not just about fees and rules. They get how stressful and emotional applying for a mortgage can be. 

Their team is there to support you through the ups and downs until you finally get those keys in hand.

What is the Customer Experience Like?

Haysto makes the mortgage process as smooth and stress-free as possible.

From the start, you’ll be welcomed with a simple online form that takes about 60 seconds to complete. 

You don’t need to worry about your credit score being affected, either—the initial steps are all soft checks.

Once you’re in, you’re paired with a specialist mortgage advisor who will help you find a solution tailored to your situation. 

Clients have praised Haysto’s friendly and supportive approach, and it’s easy to see why. 

Haysto mortgage advisors are experienced in handling complex mortgage cases and are committed to finding you the right deal. 

Plus, there’s a digital customer portal where you can upload documents and track the progress of your application in real time—no more paperwork chaos!

Customer reviews on platforms like Trustpilot speak volumes about the level of service. 

With a TrustScore of 4.9 out of 5, Haysto has earned high praise for their expertise and support throughout what can be a stressful process. 

Many clients appreciate the clarity of Haysto’s fee structure, the availability of expert mortgage advisors, and the genuine support they receive—which makes them feel more like a partner than just a service provider.

How Does Haysto Compare to Other Brokers?

Haysto focuses on helping you if you have bad credit or are self-employed. They use smart tools and real advisors to offer a service that’s personal and supportive. 

If other brokers haven’t listened or understood your situation, Haysto could be a better choice.

Here’s how Haysto measures up against other types of brokers:

• Traditional mortgage brokers. Traditional brokers often require face-to-face meetings, which can take time. Haysto skips the meetings and uses tech to make things faster while still offering personal support.
• Bank and building society brokers. These brokers only offer their own deals, which means fewer options. Haysto works with many lenders, giving you more chances to get approved, even if your case is complicated.
• Whole-of-market brokers. Whole-of-market brokers offer many options for ALL kinds of cases. While Haysto isn’t fully whole-of-market, they focus on lenders who are good at helping with tricky situations.
• Online mortgage brokers. Online brokers like Habito are quick and easy but often work best for simple cases. Haysto uses tech too but adds personal advice, which is better if your case is more complicated.

So, how do you decide?

If your mortgage needs are simple, you’ve got plenty of choices. You can go with a traditional broker or an online one—just make sure they’re finding you the best deal for your situation.

But if your situation’s a bit complicated – like bad credit, self-employment, or a buy-to-let mortgage – you might need a specialist.

Haysto is a great choice for non-standard cases. They use tech to speed things up and give you a ‘True Agreement in Principle’ early on. 

They’re good with a wide range of lenders, but they’re not the only game in town.

John Charcol has access to all lenders, which means they can shop around for the best deal. They’re a good option if you need flexibility and want to explore all your choices.

Generally, it’s best to go with a whole-of-market broker. But if your situation’s really complex, Haysto’s expertise could be a big help.

If you’re tired of running into dead ends, Haysto could be exactly what you’re looking for. They bring a mix of empathy, expertise, and persistence to get you the result you need.

Who Should Use Haysto?

Anyone whose financial situation might not tick all the traditional boxes. Here’s who should use Haysto:

• Self-employed individuals
• People with bad credit
• First-time buyers with complex financial situations
• Anyone declined by other brokers or lenders (Haysto’s specialist lenders and tailored advice could help where others have failed)

Their expert mortgage advisors have extensive experience with non-standard mortgage applications. 

This means they know exactly what lenders want to see and how to present your case in the best light.

On the other hand, if you’ve got a straightforward financial profile, you might not need the full extent of Haysto’s tailored services. 

Traditional lenders or fully digital brokers could provide you with quicker and potentially cheaper options.

The Pros and Cons of Using Haysto

Here are the pros and cons to help you decide if they are the right fit for you.

Pros

• Helps with complex cases like bad credit or self-employment.
• Access to many lenders for better chances of approval.
• Clear fees with no hidden costs.
• Personal mortgage advisors to support you.
• High ratings for customer satisfaction.
• Combines technology with human support.
• Regulated by the Financial Conduct Authority (FCA).

Cons

• Charges higher fees than some competitors.
• Personalised service may take longer than standard brokers.
• Not ideal for simple cases where cheaper options are available.
• Not a whole-of-market mortgage broker

• Haysto specialises in helping people with bad credit, self-employment, or unique financial situations secure mortgages.
• They offer personalised advice, pairing you with an experienced mortgage advisor and searching over 12,000 mortgage products. Their fees are clear: a £99 refundable Commitment Fee and a capped total fee of £1,499.
• Haysto provides a “True Agreement in Principle,” giving you confidence early in the process.
• Customers praise their supportive service and easy-to-use digital portal, with a 4.9 TrustScore on Trustpilot.
• Ideal for non-standard cases but less suited for straightforward applications where traditional brokers may be quicker and cheaper.

The Bottom Line: Should You Use Haysto?

If you’re struggling with traditional mortgage brokers, Haysto might just be what you need.

As a specialist broker, they excel in tackling cases that others won’t touch. Whether you’re self-employed, have a bad credit history, or have a complex income, they can help.

Their tailored advice and expert knowledge make them a great choice if your finances are more complex or you’ve been rejected elsewhere.

While their fees are a bit higher, they’re worth it for their personalised service and industry know-how, especially if your situation is complicated.

Our Take: We give Haysto a solid 4 stars (★★★★☆). 

Their skill in handling complex mortgage cases and their dedication to non-standard clients set them apart. 

But, they aren’t a whole-of-market broker, and their higher fees may not suit those with simpler needs or broader lender requirements.

If you’re after a broker who specialises in difficult cases and is committed to finding solutions where others fail, Haysto is an excellent choice.

Think Haysto might be right for you? Check out their website to find out more!