Initial disclosure document

This page lays out the information you need to know before using our services, so you can decide if Habito is right for you.

Services we offer

We offer a few different services at Habito, from mortgage advice to help with home buying. Here's more about each one.

Whole of market mortgage advice

We search the whole market to find you the best mortgage, then do the paperwork for you and apply on your behalf. If the best mortgage for you is from a lender we don't work with, we’ll tell you how to get it directly.

Our mortgage advice is free and impartial. For every mortgage we complete, the lender pays us commission. We get paid the same commission by every lender, and our only incentive is to find you the best deal.

Habito lending

We have our own range of mortgages at Habito. If a Habito mortgage is the best choice for you, you might decide to go with Habito as your lender. In that case you’ll pay us some lender fees – like you would for any mortgage. But our advice will still be free.

Direct mortgage advice

This is advice about one of Habito’s own mortgages – a mortgage where Habito is the lender. It’s different from whole of market advice, in that we’ll only advise you on the Habito mortgages you might be suitable for, not what’s available in the wider market.

Habito Plus

Habito Plus is our home-buying service. Once you’ve had an offer accepted, we handle the admin of buying on your behalf – the legal work, property survey and mortgage. It costs £2,400 on average (the fee depends on your property price).

We’re regulated by the Financial Conduct Authority (FCA)

Our FCA registration number is 714187. Here’s our listing on the FCA website.

Our trading address is WeWork, Moor Place, 1 Fore Street Avenue, London, EC2Y 9DT.

Here's how to get in touch with the FCA.

If you have a complaint

Let us know and we'll do everything we can to resolve it straight away:

- Email [email protected]
- Call 0330 223 0996
- Write to Habito, WeWork, Moor Place, 1 Fore Street Avenue, London, EC2Y 9DT

If we can’t resolve your complaint, you can refer it to the Financial Ombudsman Service.

We’re covered by the Financial Services Compensation Scheme (FSCS). If we don’t meet our obligations to you, the FSCS can help you get compensation.