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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. Speedy service.


  • We’ve reduced rates across our range!

    Rates now start from 3.04% for all customers. Every customer still receives cashback on every completed deal!

    Read more
  • 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.

The basics, but better

  • Rates starting at 3.04%

  • Loan-to-value up to 80%

  • 5 year fixed deals from 3.49%

  • 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

See our product 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
See our eligibility criteria

Contact our BDM

If you have any new business enquiries or you’re looking for more specific information around our lending criteria, product ranges or registration, our dedicated business development manager is available Monday to Friday, 9am to 5pm.

0330 818 0355

Get an instant decision with Habito

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