Jonathan Moulton

Co-Founder and Chief Executive Officer

Jonny has experienced first-hand how unfair the mortgage system can be. He knows how it feels when someone tells you “No”, and you feel the dream of owning your own home slipping away. It can be devastating. So, after realising his situation was far from unique, Jonny and his co-founder, Paul Coss, teamed up to create Haysto, our sister brand for specialist lending, and they've been making mortgages possible for lots more people ever since.

All this hard work culminated in Haysto being named the 'Treating Customers Fairly' Champion at the 2025 British Bank Awards, an accolade earned through the strength of our own customers' reviews.

Haysto's success also sparked Jonny's desire to create a simple, transparent, and accessible platform for those seeking a clearer, swifter mortgage journey. The result was Picnic. Launched in 2025, our new mainstream brand, built for modern life, combines powerful tech and expert advice to make mortgages simpler, faster, and more human.