Free mortgage broker

We’ll get you the perfect mortgage, all for free.
We find your perfect mortgage
out of 20,000 options from 90+ banks & lenders
Tell us about you and the home you’re looking to buy, and we’ll set you up with your own mortgage expert.
We’re a whole-of-market broker, so we have access to nearly every mortgage out there. Hell, we have access to exclusive deals from your own bank that your own bank won’t offer you.
Your team of experts
do all the applying & following up
We do the application paperwork for you, then pester the bank for updates until your keys are in hand. Your mortgage expert and case manager stay by your side the whole way, keeping you in the loop.
We do the legal work, sort your property survey
& guide you through the results
Here’s who you’ll have on side: A surveyor, who gets you a condition report; a solicitor, who handles all the legal stuff; and your case manager, who supports you the whole way.
We’ll handle all the legal stuff and get you a comprehensive report on your future home, so you know exactly what you’re buying – and it’s synced up with your mortgage for serious efficiency.
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Track everything in your Habito dashboard up to the very end – and beyond.

Learn more about mortgage brokers

What is a mortgage broker (and do you need one)?

A mortgage broker is a specialist financial advisor, trained to offer you advice about mortgages. They can be a person or a company.

To act as a mortgage broker in the UK, you have to be regulated by the Financial Conduct Authority (FCA). You can check your broker (or the firm that employs them) is regulated on the Financial Services register.

In the simplest terms, a broker is a go-between.

They link borrowers to lenders: people borrowing money to buy a property, to the banks and building societies lending that money. There are more than 20,000 mortgages to choose from in the UK.

It can be time-consuming and a lot of hassle to track down the right mortgage for you – one with a good interest rate, terms that work for your circumstances, and a deal you’re actually eligible for.

A broker uses their expertise and in-depth knowledge of lenders to find the best mortgage for you, and makes sure you don’t waste time and energy applying to mortgages or lenders who may reject you.

As well as finding you the best deal, a broker can guide you swiftly through the application from beginning to end – taking on a lot of the form filling and chasing lenders.

Are all mortgage brokers the same?

Different brokers can give you vastly different levels of service, and charge you different fees.

A key difference is whether your broker is limited or whole of market:

Whole of market mortgage brokers have access to a far wider range of lenders and can offer impartial recommendations based solely on what’s best for you. (This is Habito!)

Limited choice of lenders: some brokers can search a range of mortgage deals for you – but not every deal on the market.

Look for the phrase ‘whole of market’ if you want to cover all your bases.

What about online brokers?

An online broker can use technology to analyse thousands of mortgages in seconds, rather than the days a traditional broker might take. They can also usually arrange a mortgage for you using online chat, and without you needing to come in for face to face meetings.

How much do mortgage brokers charge?

It ranges from nothing, to hundreds of pounds. Some brokers bill you a lump sum (typically £500 or so), while others charge an hourly rate or a commission based on the value of your mortgage. Some brokers won’t charge you a penny, but cover their costs with a procurement fee from the lender instead. Always make sure you check your broker’s fees upfront!

By the way, Habito is completely free to use!

What if I DON’T use a broker?

It’s not compulsory to use a broker, but because residential mortgages are regulated, you need to get advice to get a mortgage. That means you’ll almost always have to speak to a mortgage adviser.

If you use a broker, they’re also your adviser, and can generally advise on a wide range of mortgages – every mortgage if they’re ‘whole of market’. But if you don’t use a broker and go direct to a lender, then the mortgage adviser you talk to can only advise you on that particular lender’s mortgages.

Your adviser has to take responsibility for recommending a mortgage to you. You can always reject their advice, but if you do they’ll ask you to sign something saying you’re happy to make the choice yourself.

In terms of finding a mortgage yourself, there are a couple of starting points – though be wary of the pitfalls:

Mortgage comparison sites
Mortgage tables can give you a good idea of the kinds of rates out there. But be aware: just because you find a tempting deal doesn’t mean you’re eligible for it.

The headline interest rate you see in a comparison table won’t tell you much on its own – there might be hefty fees on top, or lender requirements that take that mortgage off the table. Using only a table also means you’ll miss out on the start-to-finish guidance and back-up of a qualified broker, or the added protection of the Financial Ombudsman if things go wrong.

We've built our own mortgage comparison tool which factors in every fee to work out the total cost to you, rather just than the initial rate.

You can also find out how much you can borrow with our mortgage calculator.

Approaching your own bank or building society
This might be a good starting point – your bank should hopefully have a good idea about you and your financial situation.

But remember, your bank will only tell you about their own mortgages – not the tens of thousands of others across the market. And each time you approach a new bank, you’ll need to dig out all your financial information each time, where an independent broker will only need your details once to search the whole market for the best deal.

Rated 4.8 out of 5

by 5,000+ people
Honestly, cracking service, cracking process. Easy to follow and simple all the way. Doing it digital is so much better than fiddling around with all the paperwork.
9 NOV 2020
Habito is an incomparably smooth experience compared to old school advisors. This is exactly what getting a mortgage in 2020 should look like.
23 OCT 2020
Habito has been the highlight of our home buying process - of all the people we’ve had to deal with, they were by far the most helpful. I couldn't recommend them more.
7 NOV 2020
Ellen walked me through every stage of the process, cheerleading when I was frustrated, helping me figure out what I needed to do next.
3 NOV 2020
I’ve been advising on mortgages for decades - it’s STILL quicker and easier to use Habito than do it myself. The recommendation took 92 seconds and was perfect.
19 OCT 2020
So helpful throughout and great at keeping us in the loop. We had a slightly complex situation and asked lots of questions; their advice was spot on.
8 OCT 2020