You can afford a better home than you think
Borrow up to 7 times your incomeGet a Habito One mortgage
Borrow up to 7 times what you earn (most mortgages only let you borrow up to 5 times) – read more
Fix your monthly payments forever, never worry about them rising, ever
Pay off your mortgage sooner – you can choose to have no limit on overpayments. Put as much spare cash towards your mortgage as you like
Moving home made easy – take your mortgage with you
See how Habito One could help you
Will you want the option to move home while you have a mortgage?
Frequently asked questions about Habito One
Too many people are priced out of buying a home.
House prices have risen a whopping 29 times more than wages have in the last 50 years. In London, the average price of a home is now almost 11 times the average wage. This has left too many people priced out of buying the home they want.
Our answer: let people borrow more, and close that gap between wages and house prices. Then fix their monthly mortgage payments forever, so they have certainty and security about what they’re paying until they’re mortgage-free.
How much you can borrow depends on your profession and income – see who's eligible in the question below.
Get a Habito One mortgage
Chat to an expert about Habito One
They’ll help you decide if it’s right for you, and answer any questions you have. If it’s the right choice, they’ll help you apply.Get a Habito One mortgage
Habito One in the news
You can save £1,000s on mortgage fees.
The mortgage arrangement fee on one of these deals is expensive at £1,995, but you’ll only ever have to pay it once (unless you need to borrow more in future). In comparison, if you remortgaged five or 10 times over the course of paying off your mortgage to various two or five-year fixes, you might end up paying £10,000+ in product fees overall.
About the lender:Habito
Habito is a mortgage broker and lender. We help people find their perfect mortgage out of 20,000+ options, and we create mortgages of our own to solve real world problems that we hear about from our customers. We’ll always make sure you get the right mortgage, whether that’s with Habito or another lender. Here’s how we keep it fair.We created Habito One because customers were telling us they felt trapped by inflexible mortgage rules, that they were tired of switching deals every few years, and that they wanted more certainty about their financial future.We’re regulated by the Financial Conduct Authority.More about us