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.
In Jonny’s Words:
“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.”