About Us
Our Story
Picnic was created to make mortgages feel less like an uphill struggle and more like a walk in the park. We’ve taken everything we know about expert, human-first advice and made it simple, transparent, and accessible for everyone.
No impact on your credit score.
The origins of Picnic began with a chance meeting between our co-founders, Jonny Moulton and Paul Coss. A few years back, Paul helped Jonny secure a mortgage after he’d been told ‘no’ by countless brokers — simply because he was self-employed and had a low credit score.
Jonny’s experience wasn’t unusual. So together, he and Paul founded Haysto with a clear mission: to make mortgages possible for people who didn’t fit the traditional mould.
Fast-forward to today, and Haysto has helped more people than any other broker become homeowners after being told 'No' elsewhere, earning a reputation for exceptional customer service along the way.
All this hard work culminated in Haysto recently being named the 'Treating Customers Fairly' Champion at the 2025 British Bank Awards—an accolade received based on the strength of our customers' reviews.
That success sparked a bigger question:
If We Can Make Mortgages Possible for Those with the Odds Stacked Against Them, Why Not Make Them Easier for Everyone Else?
The answer was Picnic. A new brand, built for modern life — combining powerful tech and expert advice to make mortgages simpler, faster, and more human.
Whether your situation is straightforward or not, Picnic provides you with the same high level of support and service that Haysto is known for, delivered with modern tools and that all-important human touch.
At Picnic, we take an optimistic, empowering approach to your mortgage journey. It doesn’t have to feel like a maze. We make it feel easy — because it should be.
“One of the biggest drivers for creating Picnic was the constant stream of 5-star reviews from customers telling us how easy we’d made the mortgage process.
They’d expected it to be a nightmare, and ended up with a walk in the park.
We always believed that’s what we were delivering. But hearing it, over and over again, from real people gave us the push to build something for a wider audience.
As we’ve expanded, the message hasn’t changed. What we do — and how we do it — works for all kinds of customers.”
Jonny Moulton,
Haysto/Picnic CEO
Who We Are
We're here to make your mortgage journey feel less like a maze and more like a picnic. Discover why we do what we do in Our Story, find out how we back it up in Our Promise, learn How It Works, or, if you fancy joining the team, take a look at Our Career opportunities.
About Us
At Picnic, we keep it simple, honest and built around you. Find out more about the people behind our story and how it all works.
Our Story
Built by the team behind Haysto. We've taken everything we know about expert, human-first advice and made it simple, transparent, and accessible for everyone.
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.
Our Promise
Our Promise to you is all about trust. That means a rate you can rely on, an AIP you can use, and a service that moves at your pace.
Success Stories
Life-changing stories straight from our customers. Read how we made a mortgage possible for those who previously thought it wasn’t.
Careers
Make your career ambitions a reality and join an innovative company at the forefront of disrupting the mortgage market.
Frequently Asked Questions
Who We Are
Discover more about what we do, why we do it and how we can help you on your mortgage journey.
In a nutshell, we’re all about taking away the stress and anxiety people typically feel when getting a mortgage, making their journey smooth and straightforward. We do this through a healthy combination of cutting-edge technology and the good old human touch.
No jargon. No nonsense. Just a desire to cut through all the noise and create an honest, transparent environment where you can feel completely in control of your home-buying destiny.
Anyone looking to take their first or next steps on the property ladder, find a better mortgage deal or invest in property can use our service. So, whether you’re:
This is your home, your journey. You make the decisions, and we’ll help you make the right choices.
Using a mortgage broker like us means you've got a far better opportunity to secure the best mortgage deal. The whole process will be much less daunting because you'll have someone with the right experience to guide you from decision to doorstep.
Here are five solid reasons why using a mortgage broker is a great idea:
More choice: Access to a much wider pool of lenders and mortgage deals.
Less hassle: They handle the application process and act as your lender liaison.
Expert advice: Especially helpful if your situation isn’t straightforward.
Saves time: No need to trawl comparison sites or visit banks/building societies.
Better chance: They know which lenders are more likely to approve you.
On the contrary, with our customer portal, the application process will feel much more straightforward and far quicker. It's clear and super simple to use, making communication easy between you and your advisor, as well as uploading documents, checking progress, and receiving updates - all in one place.
Going directly to a lender also means you'll only receive advice on their own mortgage products. With our mortgage team, you'll have access to the whole market. So, you'll have peace of mind that the mortgage deal we'll find for you is the best available.
There are three ways you can contact us:
Online: Click the button below to make an enquiry.
Phone: 0333 016 3426.
Email: [email protected].
Once you’ve been in touch, you should expect to hear from our mortgage team within 24 hours.
It all really depends on your situation and what you’re looking for. Everybody’s mortgage journey is unique, and that’s where we set ourselves apart from the rest of the crowd.
We’ll never try and shoehorn you into something that doesn’t fit. And we’ll be honest with you if you’re thinking of taking a route that could only result in finding a dead end.
There’s a mortgage out there for everyone, and we don’t give up until we’ve helped you find yours.
If you have all the necessary information to hand, we can apply for a true mortgage in principle, one you can trust, directly from a lender, straight away. Once received, we aim to have your complete mortgage application ready for submission to a lender within 24 hours.
Are you ready to get started? Great, click the button below to make an enquiry and we'll be in touch.
Picnic was created by the team at Haysto. For the last few years, Haysto has been helping make mortgages possible for thousands of people with more specialised needs, such as those with bad credit or complex incomes.
Picnic now brings the same high level of support and service that Haysto is known for, delivered with modern tools and that all-important human touch. Together, Haysto and Picnic provide a truly whole-of-market mortgage experience for both specialist and mainstream customers alike.
Yes, Picnic is a trading style of Haysto Ltd, an appointed representative of HLPartnerships Limited (HLP). As such, we fall under HLP's registration and authorisation by the Financial Conduct Authority (Ref. No: 957422).
Yes, all our Mortgage Advisors hold a CeMAP qualification (Certification in Mortgage Advice and Practice). Our advisors have either attained this qualification before joining us or through our very own Training Academy.