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!
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
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 check|
|Basic credit check|
|Comprehensive affordability & credit checks|
|Comprehensive eligibility check|
|Automated property valuation|