Habito

The fastest, simplest buy-to-let mortgage
around

Longer fixed terms. Fair eligibility. Instant
decisions, and offers in days, not weeks.

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Rated Excellent based on over 6,000 customer reviews

Benefits

  • Buy-to-let,
    better

    See our rates
    • Rates starting at 2.85%
    • Fix your rate for 2 to 10 years
    • Mortgages for deposits as low as 20%
    • Portfolio and limited company ranges
    • Open to all: self-employed, first-time, retired, and older landlords
    Apply now
  • Instant decision,
    more certainty

    When you get a decision in principle from most lenders, it’s no guarantee you’ll be accepted – that’s because DIPs are usually based on only basic checks of what you can afford.

    Our Instant Decision uses more sophisticated approval checks that do all the maths – all while getting you to offer in days, not weeks. That means more certainty, even speedier.

    Get an instant decision
  • Eligibility that’s
    Fair

    See the criteria
    • No minimum income for first-time landlords
    • Only 3 months of employment history needed
    • No restrictions for ex-local authority properties
    • No discrimination against landlords with tenants on benefits

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