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
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 rangeSetting 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 | ||
| Identity check |