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The future of mortgages is here

Instant certainty. Longer fixed terms. Faster offers.

Be more certain with Habito Instant Decision

We’ve replaced uncertain DIPs with our Instant Decision, a more sophisticated approval check that doesn’t sacrifice speed.

Get an offer in days, not weeks

Go from application to offer in days. It might be the swiftest, most certain mortgage offer you’ve seen.

Digital-first – it’s never been this seamless

Submit all of your applications using our simple online platform and get all the resources you need from our site.

Habito One

A future-proof, ultra flexible long-term fixed rate mortgage

Guaranteed rate and repayments for the full length of the mortgage – up to 40 years

Product options with or without early repayment fees: choose how much flexiblity you want.

Choose a mortgage with no exit fees - freedom to leave whenever, with no penalty

Total protection from interest rates rising

More about Habito One

Buy-to-let, but better

Rates starting at 2.85%

Loan-to-value up to 80%

10 years fixed deals from 3.44%

Fix your rate for 2-10 years

For a limited time: £500 cashback offer for eligible customers on every product*

Open to individual, company & portfolio landlords

*See the cashback terms and conditions

More about our buy-to-let range

Setting you free from admin hell

  • Get a direct line to our underwriters, and hear back fast

    Reach out directly to our experts to get answers straight from the source. We promise to get back to you within 24 hours.

  • Choose from our wide range of partner solicitors and surveyors

    Take your pick from our extensive panel of solicitors and surveyors. Plus, we’ll instruct your valuation same-day.

  • Do it all online, without the back-and-forth

    Apply online through the Habito Portal. We ask for everything we think we’ll need up front, so there’s no delays and no games of email tag.

Instant decision, more certainty

A Habito Instant Decision isn’t a typical decision in principle. We run our full lending policy up front – without sacrificing time to approval. That means far more certainty for you and your client.

Decision in principle
Instant Decision
Basic affordability checkIncludedIncluded
Basic credit checkIncludedIncluded
Comprehensive affordability & credit checksNot includedIncluded
Comprehensive eligibility checkNot includedIncluded
Automated property valuationNot includedIncluded
Identity checkNot includedIncluded

Get an instant decision with Habito

Find out more