We’re making buy-to-let mortgages better
We’ve created the fastest, simplest way to get a mortgage offer. Instant certainty. Longer fixed terms. Offers up to twice as fast.
Coronavirus: updates to our service
We’re now accepting applications up to 75% LTV. We’ve also restarted physical valuations in England and Wales — following government guidelines to do these as safely as possible.
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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 10 days or less
Go from application to offer in days. It might be the swiftest, most certain mortgage offer you’ve seen.
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
Take your pick from our extensive panel of solicitors for ongoing support through to completion.
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.
The basics, but better
Instant Decision, more certainty
| Decision in principle | Habito Instant Decision | |
|---|---|---|
| Basic affordability check |  |  |
| Basic credit check | | |
| Comprehensive affordability and credit checks |  | |
| Comprehensive eligibility check | | |
| Automated property valuation | | |
| Identity check | | |
