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Habito Go: buy your home faster with the power of cash

We give you the money to buy your home upfront, so you can approach estate agents as a cash buyer: the most powerful position possible.

Learn moreBook a call
Habito Go could help you:
  • Make the best offer
  • Save thousands on the property price
  • Get the keys in as little as 2 weeks

Here's how it works



Habito Go turns you into a cash buyer, so you can go to sellers and make a strong, all-cash offer to secure the property you want, faster.

After some checks on you and the property, we guarantee the cash to buy your home as a bridging loan before your mortgage comes through, so you don’t have to wait to buy the home you want. Go also comes with a fast-track property valuation and comprehensive legal work, so you can complete in as little as 10 days – rather than weeks.

As part of the Go service, you also get your own expert guide, who’ll give you insider tips and advice through bidding wars, price negotiation and beyond. Your competition won't know what hit them.

Here's how it works



Habito Go turns you into a cash buyer, so you can go to sellers and make a strong, all-cash offer to secure the property you want, faster.

After some checks on you and the property, we guarantee the cash to buy your home as a bridging loan before your mortgage comes through, so you don’t have to wait to buy the home you want. Go also comes with a fast-track property valuation and comprehensive legal work, so you can complete in as little as 10 days – rather than weeks.

As part of the Go service, you also get your own expert guide, who’ll give you insider tips and advice through bidding wars, price negotiation and beyond. Your competition won't know what hit them.

Habito Go could help you:
  • Make the best offer
  • Save thousands on the property price
  • Get the keys in as little as 2 weeks

How Habito Go helps you win:

Make your offer more attractive

7 in 10 sellers value the speed and ease of a sale more than getting their asking price.

With Habito Go, you’re more likely to get your offer accepted first time.

Negotiate your discount

Cash buyers get a 4.5% discount on average.

Habito Go puts you in the position of a cash buyer, which helps you negotiate a better price for your home.

Move fast

Don’t let the admin slow you down. Go speeds up your conveyancing (legal work) and financing, so you can secure your home faster.

Get an expert on your side

Go gives you insider knowledge: in your corner. You’ll get your own expert by your side, all the way to getting the keys. They’ll guide you through making the best bid, negotiating the price, and more.

All statistics from Habito research, 2019

See how Habito Go saved Oli £15,000

See how Go helped Oli get taken seriously by his estate agent, save time and stress, and win his dream home.

The traditional mortgage
vs Habito Go

Save time, save money and put your most powerful offer on the table.



Traditional process

  • Bid above the asking price to get noticed
  • Higher risk of being gazumped by cash buyers and other offers (the seller backtracks after accepting your bid)
  • Wait for your mortgage and valuation before you can move - this could be up to 40 days
  • Sellers see you as a bigger risk - so might be less likely to take your offer


Habito Go

  • Save thousands if you negotiate a cash-buyer discount
  • Approach estate agents in the strong position of an all-cash buyer
  • Complete in as little as 10 days, with fast-track surveys and conveyancing
  • Give your offer a better chance of being accepted

How pricing works

The Habito Go fee is 1.95% of the final agreed property price. If you don’t buy your dream home with Go, you won’t pay a thing.

The fee includes a valuation survey and fast track property searches, and the certainty you’ll have the money you need to buy the home you want.

If you use the Habito Go loan to buy your home before you get your mortgage, you make a payment to us at a fixed rate of 0.5% of your loan a month. You only ever pay this for the number of days you need in a month – we’ll never round it up to the full month.


Pricing example
Property price£300,000
Mortgage amount (minus a £75,000 deposit)£225,000
Interest (0.5% per month)£0 (or £37 per day)*
Habito Go fee (1.95%)£5,850
Early Repayment Charge£0
Total cost£5,850**
What's included:
Valuation survey(worth £400)
Fast-track property searches and legal work(worth up to £2,000)
Dedicated mortgage expert help
Cash buyer discountTBC based on negotiation
Pricing example
Property price£300,000
Mortgage amount (minus a £75,000 deposit)£225,000
Interest (0.5% per month)£0 (or £37 per day)*
Habito Go fee (1.95%)£5,850
Early Repayment Charge£0
Total cost£5,850**
What's included:
Valuation survey(worth £400)
Fast-track property searches and legal work(worth up to £2,000)
Dedicated mortgage expert help
Cash buyer discountTBC based on negotiation

* £0 if we secure your mortgage before you complete your purchase. Or £37 per day until your mortgage comes through.
** In this example we have secured your mortgage before you complete your purchase.

Ready to Go?

Book a free online chat with one of our experts to learn more about Habito Go. We'll also use this email to keep you in the loop with Go news and updates. Unsubscribe at any time.

Already a Habito Go customer?


To get in touch, just call 0330 223 0956 or email go@habito.com


The small print, made big


The Habito Go loan is ‘secured’ against the property you buy. That means if you can’t pay it back, or you can’t get a mortgage, you might have to sell the property to pay us back.