How It Works
No jargon. No confusion. Just a clear, step-by-step look at how we help you find the right mortgage — and make the whole thing feel a lot less stressful.
No impact on your credit score.
Treating Customers Fairly Champion
Winners British Bank Awards 2025
A Service You Can Trust
97% Excellent 5-star rating from Trustpilot customer reviews.
Everything in One Place
From start to finish, do everything in our industry leading portal.
Peace of Mind
Your own team of mortgage experts dedicated to finding you the best deals
Tell Us About You
Fill out a quick 60-second form — no impact on your credit score, no endless questions. Just what we need to get started.
Mortgage Match
We search 100+ lenders (including exclusive deals you won’t find online) to find what actually fits your life, not just your numbers.
Meet Your Experts
A real human team handles everything. You track progress in your portal — no chasing, no piles of paperwork, less stress.
24/7 Access to Your Mortgage Journey!
Phone or laptop, sofa or office—anytime, anywhere. Your secure customer portal lets you track every step in the process, sign documents with one click, message us in real time, and tick off tasks when it works for you. Your mortgage at your pace.
Backed by Experience. Powered by People.
Through Haysto - our sister brand - we've helped more people than any other broker become homeowners after being told 'No' elsewhere. Picnic brings that same award-winning expert service and tech to everyone.
How it works
How Much Does It Cost?
We charge a fee so we can focus entirely on you. That means personal advice, real support, and a service that’s built around your needs — not the lender’s. It helps us do things properly, and gives you the confidence that we’re on your side from day one.
You pay nothing if we cannot get you a mortgage offer.
£599
Paid after offer.
Your mortgage offer fee is £599, and is payable within 48 hours of you receiving your mortgage offer.