Welcome to our broker home for intermediaries. For customers, head to Habito.com
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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. 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.

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.

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

Rates starting at
Fix your rate for
2-10 years
10 year fixed deals from
Loan-to-value up to
New: free legals & valuation range
Open to individual, company & portfolio landlords
See the products

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 principleHabito Instant Decision
Basic affordability check
Basic credit check
Comprehensive affordability and credit checks
Comprehensive eligibility check
Automated property valuation
Identity check
Get an Instant
Decision with Habito
Find out more