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


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.

We’ve reduced rates across our range!

Rates now start from 3.04% for all customers. Customers still receive cashback on every completed deal!

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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

Rates starting at
Fix your rate for
2-10 years
75% LTV rates from
Loan-to-value up to
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 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 checkIncludedIncluded
Basic credit checkIncludedIncluded
Comprehensive affordability and credit checksNot includedIncluded
Comprehensive eligibility checkNot includedIncluded
Automated property valuationNot includedIncluded
Identity checkNot includedIncluded
Get an Instant
Decision with Habito
Find out more