Introducing: mortgages, but faster | Habito

Introducing: mortgages, but faster

We’re creating the fastest, simplest way to get a mortgage offer.

Instant decisions. Longer fixed terms. Offers up to twice as fast.

2,800+ reviews
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We’re making buy-to-let mortgages better

  • Fix your rate for up to 10 years
  • Rates starting at 3.14%
  • Get a mortgage with a deposit as low as 40%
  • Open to all, including self-employed, first-time, retired and older landlords
  • Portfolio and company buy-to-let now available

Instant decision, more certainty

When you get a decision in principle from most lenders, it’s no guarantee you’ll get a mortgage. Your DIP is usually based on some basic checks of what you can afford.

We’ve replaced these uncertain DIPs with more sophisticated approval checks that do all the maths – without sacrificing time to approval. That means far more certainty for you.

A typical decision in principle
Instant Decision
Basic affordability check
Basic credit check
Comprehensive affordability and credit checks
Comprehensive eligibility check
Automated property valuation
Identity check

Who’s eligible? We’re opening it up

We’re opening up mortgages to more people. Everyone who can afford to pay back the mortgage should have a chance to get one. We’re starting with this buy-to-let range:

  • No minimum income for first time landlords up to 60% LTV
  • You only need to show 3 months of employment history
  • No additional restrictions for ex-local authority properties
  • No discrimination against landlords with tenants on benefits
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The most comprehensive range of buy-to-let mortgages out there

  • Rates starting at 3.14%
  • Fix your rate for 2–10 years
  • 10 year fixed deals from 3.94%