I’d been putting off starting the house buying process for a while because it felt pretty daunting. I came across Picnic Mortgages by chance and decided to book a free call just to see what it... See more
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The team have been fantastic from start to finish. We honestly cannot thank Picnic and everyone involved in our case enough for everything. As first time buyers we needed talking through everything... See more
Company replied
Excellent and efficient service. Really liked the Dashboard which communicated progress well. Alex was very professional dealing with my enquiries for an interest only mortgage, and despite not being... See more
Company replied
We would like to say a big thank you to the whole picnic team! This whole experience was great, team extremely helpful and professional. Couple of months ago we didn't even think that we could be e... See more
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Company details
Written by the company
We’re here to take the stress and uncertainty out of getting a mortgage, making the journey smoother, simpler, and easier to navigate. Picnic combines smart technology with real human advice to help you feel confident and in control of your home-buying journey. No jargon. No nonsense. Just straight-talking mortgage advisors who cut through the noise to make things clear, honest, and transparent. Whether you’re buying your first home, moving somewhere new, remortgaging, or investing in property, we’ll guide you every step of the way. You make the decisions — we’ll help you make the right ones. Using a mortgage broker like Picnic means more choice, less hassle, and expert advice from people who care. We’ll handle the legwork, find the right deal from over 100 lenders, and keep you updated at every stage. Because getting a mortgage should make sense — every step of the way. Picnic is a trading style of Haysto Ltd, an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
Contact info
United Kingdom
- picnicmortgages.com
4.6
Excellent
79 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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Excellent and efficient service
Excellent and efficient service. Really liked the Dashboard which communicated progress well. Alex was very professional dealing with my enquiries for an interest only mortgage, and despite not being able to find an offer that suited me due to my unusual personal circumstances, I will definitely use them again when I need a new mortgage
16 April 2026
Unprompted review
Reply from Picnicmortgages
Hi Ian,
Really appreciate you taking the time to share such a lovely review with us.
Alex will be chuffed to hear your kind words, too. Interest-only cases can get a bit tricky, especially when circumstances aren’t your everyday “tick-the-box” situation, so it means a lot that you felt well looked after, even though we couldn’t quite land the right outcome this time.
When the timing’s right again, we’ll be here and ready to have another crack at it with you.
Cheers,
Team Picnic
Gave me the confidence to finally buy my first house
I’d been putting off starting the house buying process for a while because it felt pretty daunting. I came across Picnic Mortgages by chance and decided to book a free call just to see what it was about.
From the first call with Cameron, I felt a lot more confident about actually going ahead with it. The ongoing support from James, Faye and Shannon throughout getting my mortgage sorted and understanding the buying process was genuinely solid. Glynn has also been really helpful in explaining the different insurance options without overcomplicating things.
You could probably find cheaper mortgage advisors out there, but the level of support here makes a difference; you get what you pay for hands down. Having a full team involved, everything organised in one place on the dashboard, and regular updates made the whole process a lot smoother than I expected.
Overall, a really good experience, couldn’t really as for more to be honest, and I’d definitely recommend them.
I’ll be in touch in 5 years time when my fixed terms up 😉
15 April 2026
Unprompted review
Reply from Picnicmortgages
We really appreciate you taking the time to share your experience with us, Lewis.
Buying your first home can feel like a bit of a mountain at the start, so it’s great to hear that the first chat with Cameron helped things click into place. That initial confidence boost is exactly what we aim for, and it sounds like the team kept that momentum going all the way through.
We'll make sure everyone else involved sees this too; they’ll be chuffed. Keeping things clear, organised, and not overcomplicating the tricky bits is something we take seriously, so it’s good to know it made a real difference for you.
Thanks also for your kind words about how much value for money our service provides. Having a full team in your corner (and everything in one place) tends to make the whole journey a lot less stressful.
Wishing you all the best in your next chapter, and you know where to find us when it's time to remortgage.
Cheers,
Team Picnic
Recommended by Experian
I used Picnic as they are associated with Experian. The process was simple and the mortgage advisors were very knowledgeable and attentive.
15 April 2026
Unprompted review
Reply from Picnicmortgages
Thanks for sharing this, Ian. We're really glad we could help make your mortgage journey so straightforward.
It’s great to hear the team looked after you properly and kept things clear along the way. Buying a home can feel like a lot to juggle, so having experienced, supportive advisors on your side makes all the difference.
We appreciate you putting your trust in us. If you ever need our help again, you know where we are.
Cheers,
Team Picnic
Highly unprofessional experience - caused significant delays and extra
Initially they seemed very professional but then everything end up in a nightmare
1. My mortgage advisor request a CML that was wrong and I had to contact an independent mortgage advisor from mortgage bureau that had a phone call with the lender and told has how to CML should look, because we send the wrong CML i got delay over one month
2. Secondly , I keep chasing for updates and looks like they never try to sort the issue, been waiting for 2 weeks since the last CML for a lender response and I asked specifically my mortgage advisor to give them a call because I was hoping to move this month , still no response he is ignoring my phone call and messages and as a result I have to move in accommodation
3. If the person assigned to my case is on holiday then no one will peak the case
4. On your first phone call you are promised a life time product but there is no document to state that, not that I would want it after this experience as I start the application ( to the lender ) at the end of January and in April there is no sign of it getting done anytime soon
14 April 2026
Unprompted review
Reply from Picnicmortgages
Hi Octavian,
We’re really sorry to hear about your experience with us.
Our Chief Customer Officer and co-founder, Paul Coss, has reached out to you to offer his assistance. Rest assured, Paul will now thoroughly investigate your case to help achieve a more satisfactory outcome.
Once again, please accept our apologies if, on this occasion, our service didn’t reach the standards our customers typically expect.
Thanks,
Team Picnic
Remortgage made easy
I had a really positive experience with Picnic throughout my remortgage process. From start to finish, the team were professional, responsive, and very knowledgeable.
They helped me secure a remortgage on my property and also arranged additional funding at a very competitive rate, taking the time to explain my options clearly and making sure everything was tailored to my needs. The communication was excellent — I always knew what was happening and what the next steps were.
What stood out most was how smooth and stress-free they made what can often be a complicated process. I felt well supported throughout, and the outcome exceeded my expectations.
I wouldn’t hesitate to recommend Picnic to anyone looking for a remortgage or extra funding. A great service all round.
31 March 2026
Unprompted review
Reply from Picnicmortgages
Thanks so much for taking the time to share such a lovely review, Adeolu.
We're delighted to hear how smooth the whole process felt for you. Remortgaging (especially when there’s extra funding involved) can get a bit tangled, so knowing the team kept things clear, straightforward, and well communicated makes all the difference. Sounds like they did exactly what they set out to do: keep things simple and tailored to what you needed.
We’re especially pleased that you felt supported throughout and that the end result exceeded expectations. That’s always the goal, but it’s still brilliant to hear when we get it right.
If you need our help again with the next remortgage, you know where to find us.
Cheers,
Team Picnic
Good guidance and professional
My experience with Picnic has been positive - communication has been good for the most part and everyone I have interacted with has been very friendly and knowledgeable on their related areas. If you know very little about the homebuyer process and need a guiding hand I would recommend looking into their service.
30 March 2026
Unprompted review
Reply from Picnicmortgages
Thanks so much for taking the time to share this. We're really glad to hear you had a good experience overall.
It’s great to know the team were able to guide you through the mortgage journey and keep things clear along the way. Solid communication and having people on your side who know their stuff makes all the difference, especially when you’re new to the process.
We appreciate the recommendation as well; that means a lot.
If you ever need a hand again down the line, you know where to find us.
Cheers,
Team Picnic
The whole team made the mortgage…
The whole team made the mortgage application, offer and beyond very easy for a 1st time applicant.
Very polite and helpful throughout, an absolute please to work with
26 March 2026
Unprompted review
Reply from Picnicmortgages
Jeff, this is brilliant to read. Thanks for taking the time to share it.
Buying your first home can feel like a bit of a maze, so it’s great to hear the team helped make everything feel more straightforward. That’s exactly what we aim for.
We’ll make sure your kind words get passed on to everyone involved; they’ll really appreciate it. And if you ever need a hand again down the line, you know where we are.
Cheers,
Team Picnic
Picnic staff were very efficient and reliable
Picnic staff were very efficient and helpful. They talked me throught the process and got me my mortgage offer in less than 24 hours.
A very reliable team
16 March 2026
Unprompted review
Reply from Picnicmortgages
Nicole, this is lovely to read. Thank you for taking the time to share it.
Getting a mortgage offer agreed so swiftly is no small feat, so it’s great to hear the team kept things clear and easy to follow along the way. That’s exactly how it should feel.
Really glad we could be part of making things happen so quickly for you, and that you felt you could rely on us throughout.
If you need anything at all down the line, just give us a shout.
Cheers,
Team Picnic
Very good communication
Very good communication. Couldn’t have asked for a better team to organise my mortgage
20 March 2026
Unprompted review
Reply from Picnicmortgages
Thanks so much for your lovely review, Brian.
Getting a mortgage sorted can be a bit of a maze, so it’s great to hear the team kept things clear and made the whole process feel smooth for you. That’s exactly what we aim for.
If you need our help again when it's time to remortgage, you know where to find us.
Cheers,
Team Picnic
Picnic has been a easy, clear and informative experience
The whole team that was assigned to me have been helpful and clear at explaining each process involved. The process was quicker and easier than I thought it would be so if your a first time buyer like me or even if your not, I couldn’t recommend picnic enough
20 March 2026
Unprompted review
Reply from Picnicmortgages
We really appreciate you taking the time to share your experience with us, Josh!
It's so great to hear that the team were able to keep things clear, straightforward, and moving swifter than you expected. That’s exactly how it should feel.
We’ll make sure your kind words get passed on to everyone involved; it’ll mean a lot to them.
And you’re spot on, whether it’s your first home or your fifth, the process shouldn’t be any harder than it needs to be.
If you ever need a hand again down the line, you know where we are.
Cheers,
Team Picnic
Took all to stress away
A much needed held by the hand experience for myself who was a first time buyer. Navigating in regards to buying a home was made simple, easy and quick. Matt was helpful to the questions asked and kept us on track for what we were wanting. Genuinely, this was much less stressful and quicker than I had initially geared myself up for. They found a good deal, never felt I was over paying for anything, the team found me a great life insurance quote too and made it seem like a walk in the park.
5/5 stars for all involved, I would recommend.
Much Appreciated.
18 March 2026
Unprompted review
Reply from Picnicmortgages
Thanks so much for your kind words, Sean.
It’s great to hear Matt was able to keep your mortgage journey clear, steady, and (most importantly) far less stressful than expected. That experience is exactly what we aim for, without ever making it feel overwhelming or overcomplicated.
Glad we could help you lock in a solid mortgage deal and sort the life insurance side of things too; all part of making sure everything’s covered without any unnecessary fuss.
Really appreciate the recommendation, and if you ever need a hand down the line, you know where to find us.
Cheers,
Team Picnic
Fantastic
The team have been fantastic from start to finish. We honestly cannot thank Picnic and everyone involved in our case enough for everything. As first time buyers we needed talking through everything step by step and everyone we have dealt with from start to finish have been so helpful, nothing has been too much trouble despite all of our questions and we got our mortgage with no issues. Would recommend Picnic to anyone and will definitely use again if needed.
Thank you again :)
17 March 2026
Unprompted review
Reply from Picnicmortgages
Danielle, this is such a lovely read. Thank you for taking the time to share it.
Buying your first home can feel like stepping into the unknown, so it’s great to hear that our mortgage team were able to guide you through it all without things feeling overwhelming. No such thing as too many questions in this process; that’s exactly what we’re here for, and it’s good to know you felt supported every step of the way.
Really appreciate the recommendation, and we’ll be here whenever you need us again down the line.
Cheers,
Team Picnic
Effortless Mortgages
Picnic Mortgages/Haysto give a very efficient and seamless service.
Everything is explained well and as the case tracks through the different stages, you are passes naturally to professionals who take you through each step.
I would in particular like to thank Chloe B - highly recommended.
16 March 2026
Unprompted review
Reply from Picnicmortgages
Hi Robert,
Really appreciate you taking the time to leave such a lovely review.
We’re delighted to hear your mortgage journey felt smooth and straightforward. Buying a home can feel a bit like learning a new language, so we try hard to keep things clear and make sure the right people step in at the right time to guide you through each stage.
Chloe will be delighted to see your kind words. We'll make sure they're passed on to her.
If you ever need us again, you know where to find us.
Cheers,
Team Picnic
Reply from Picnicmortgages
We really appreciate you taking a moment to leave a review, Ninel!
It’s great to hear that we were able to keep the mortgage process clear and straightforward for you.
If you ever need anything down the line, we’re always here to help.
Cheers,
Team Picnic
Amazing Team from start to finish
Amazing Team from start to finish. All Staff helpful and supportive
13 March 2026
Unprompted review
Reply from Picnicmortgages
Thanks so much for the lovely words, Vicky!
It’s great to hear the team made sure your mortgage journey was so smooth and clear throughout. That’s exactly the experience we aim for.
If you ever need our help again, you know where we are.
Cheers,
Team Picnic
👍TEAM PICNIC👍
Using the amazing Picnic team to broker and arrange everything concerning the purchase of my home was such an easy decision to make and we'll worth the fee...I had a few bumps on my journey (due to my accountant etc) but with the help of Chloe and Nicholas my mortgage was arranged. They have all been very helpful, informative, polite, professional and extremely supportive aswell as understanding of my situation. The portal has also been extremely important in receiving/sendingmessages and documents aswell as just 'touching base' with regular updates...very happy and over the moon with all the support I have received...keep up the good work
👍👍TEAM PICNIC👍👍
11 March 2026
Unprompted review
Reply from Picnicmortgages
Frances, this was a lovely read. Thank you for taking the time to share it!
Buying a home rarely comes without a few bumps in the road, so it’s great to hear Chloe and Nicholas were there to help keep things moving and support you through it all. We’ll make sure your kind words get passed on to them; it’ll mean a lot.
Really pleased our customer portal helped keep everything smooth with messages, documents and updates as well. We designed it to make the process feel a bit less stressful, so it’s great to hear it played a helpful role.
Most importantly, huge congratulations on your new home! And thanks again for trusting us to help you get there.
Cheers,
Team Picnic
Working with PicNic felt like a breath of fresh air.
Working with PicNic felt like a breath of fresh air.
Before finding them, I had paid for a solo broker (no names mentioned), and unfortunately the experience didn’t go well — I almost lost my money.
Then I found PicNic. Although we didn’t secure my first mortgage offer due to an issue with the property, the team supported me every step of the way. When I found my second property, they were right there again, helping me secure my mortgage offer.
I’m genuinely very grateful for all the support throughout the process.
A big thank you to the entire team — I look forward to working with you again in five years!
10 March 2026
Unprompted review
Reply from Picnicmortgages
Alfie, this is lovely to read. Thank you for taking the time to share your experience with us.
Buying a home can be a bit of a rollercoaster at the best of times, so we’re really glad we could support you when things didn't go to plan initially. Sometimes a property purchase falls through for reasons outside anyone’s control, but it’s great that you found the right place in the end, and we could help you get the mortgage offer over the line the second time around.
We’ll pass your kind words on to the team; they’ll really appreciate it. And we’ll happily hold you to that promise of coming back in five years!
All the best with your new home, Alfie.
Cheers,
Team Picnic
All staff are friendly and get back to…
All staff are friendly and get back to you quite fast glad I chose them
9 March 2026
Unprompted review
Reply from Picnicmortgages
Thanks so much for the kind words, Cole!
We’re delighted you chose us too. It's great to hear you had a good experience with the team and that they provided swift responses to your queries throughout your mortgage journey with us.
If you ever need a hand with anything down the line, you know where to find us.
Cheers,
Team Picnic
Picnic/Haysto 10 star review
Just want to thank Beaux, Alex, Glynn, Mark & Lily for their exceptional service as part of the picnic/Haysto team.
Highly recommend made the remortgage process feel seamless.
5 March 2026
Unprompted review
Reply from Picnicmortgages
Hi Jon,
What a cracking review. Thank you for taking the time to share it.
We’ll make sure Beaux, Alex, Glynn, Mark and Lily all see this. The whole team works hard behind the scenes to keep things moving smoothly, so it’s great to hear your remortgage journey felt so straightforward. That’s exactly the experience we aim for.
Really appreciate the recommendation as well. It means a lot when customers trust us enough to shout about it.
If we can help when remortgage time comes around again, you know where we are.
Cheers,
Team Picnic
Good broker, nagging for reviews!
On the whole picnic have been very good, the initial calls were very easy and Layne from Insurance in particular was great. The website is easy to use. It has felt at times that I'm being passed off to someone else over and over, seems there's someone new for every stage but keeping with 1 or 2 would have felt better. As a result of this passing around one of our email addresses was set incorrectly resulting in some random member of the public being asked for pictures of my house, to which I had to ask twice for it to be amended. Also the automated daily messages to leave reviews is way too pushy and casts a shadow over all that is good.
5 March 2026
Unprompted review
Reply from Picnicmortgages
Hi Ben,
Thanks for taking the time to leave such a considered review.
It’s great to hear that the overall experience has been positive and that the initial calls went smoothly. We'll make sure Layne sees your kind words as well: She’ll be chuffed with that.
You’ve also raised a couple of really fair points that we'd like to try to clarify. Our mortgage process does involve having specialists at different stages (advice, protection, case management, etc.), which helps ensure each part is handled by someone who lives and breathes that part of the journey. That said, we completely understand if it felt like you were being passed around. Rest assured, we’re always working to improve continuity, so this feedback is welcome.
The email address mix-up definitely shouldn’t have happened, and having to ask twice to get it corrected must have been frustrating. Not ideal at all, and big apologies from us on this.
And point taken on the review reminders. We're always keen for our customers to share with us how they feel about our service, but if they’ve come across as a bit over-enthusiastic, that’s also useful feedback. The last thing we want is for that to overshadow an otherwise good experience.
Really appreciate you highlighting both the good bits and the bits we can do better on. It genuinely helps us improve.
Cheers,
Team Picnic
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