- Habito is viewed very positively on Good Money Guide, highlighting it as a helpful service during the UK mortgage price war for securing and monitoring competitive deals, reinforcing its role as a modern, tech-driven mortgage service.
- Customer reviews score very highly where users praise a fast, stress-free mortgage process, proactive communication and a genuinely customer-first experience.
- Experts rate Habito highly as a fee-free, FCA-regulated online mortgage broker that scans deals from around 99 lenders, making it a simple digital alternative to traditional mortgage brokers.
Habito Customer Reviews
Tell us what you think of this provider.
Seamless Experience!
Habito were simply fantastic from start to finish. They took care of everything, were clear and concise throughout, the whole experience was seamless! Christine was wonderful, knowledgeable and an excellent communicator, her regular updates gave us all the information we needed.
I’d have no hesitation recommending Habito, 5 stars from me!!
Mortgage magic made ridiculously easy
From start to finish, Habito was an absolute dream to deal with. The whole experience felt genuinely customer-first no jargon, no pressure, just clear guidance and people who actually listen.
Everything moved at impressive speed without ever feeling rushed. Questions were answered quickly, updates were proactive, and it always felt like things were moving forward in the background without me having to chase.
What really stood out was how easy they made something that’s usually stressful. The platform is intuitive, the team are friendly and human, and nothing ever felt complicated or hard work.
If you want a mortgage experience that’s fast, focused on you, and refreshingly straightforward, Habito is hard to beat. Would 100% recommend.
Great Mortgage broker
I often need the services of a mortgage broker in relation to a BTL portfolio. I can highly recommend Habito as fast friendly & efficient in all of my dealings. Thanks to Lizzie Markham & Christine Brain & co on my current remortgage. Recommend these guys!!
Highly recommend Habito!
As a first time buyer, it was daunting trying to find a broker that could support us through the myriad of different mortgage rates there are. We were grateful to come across Habito in our online search, and fitting it round our busy lives with the online chat, was the icing on the cake! Our mortgage expert was helpful, patient and super responsive! Our mortgage was then progressed through to offer so quickly by our customer success expert, it really was so painless! Highly recommend Habito!
Habito Expert Review
Provider: Habito
Verdict: Habito is one of the strongest modern mortgage brokers in the UK. Its combination of fee-free advice, whole-market access and a slick digital process makes it particularly appealing for first-time buyers and busy professionals. If you want a straightforward online mortgage experience without paying broker fees, Habito is a compelling option, and Habito Plus may be worth considering if you want a fully managed home-buying service.
Is Habito a good online mortgage broker?
Pricing: Habito’s mortgage advice is free for customers. Instead of charging borrowers, the company earns a commission from the lender when a mortgage completes. This is known as a procuration fee and is a standard business model used by most UK mortgage brokers. While you don’t pay Habito directly, you may still pay fees charged by the lender, such as arrangement, valuation or legal costs.
Platform & Apps: Instead of visiting a branch or speaking to multiple lenders, you can manage your entire mortgage journey online while still having access to expert support when you need it.
Market Access: Habito positions itself as a whole-of-market broker, meaning it searches across a wide range of lenders rather than recommending mortgages from a limited panel. Habito works with more than 99 lenders and reviews tens of thousands of mortgage products, giving customers access to a broad range of deals.
This is important because mortgage brokers often have access to rates that aren’t always available directly to borrowers.
Added Value: Habito Plus is an optional paid home-buying package designed to manage more of the property purchase process. It bundles mortgage advice with services such as conveyancing and property surveys, giving buyers a single point of contact for the entire transaction. The aim is to reduce admin, speed up the process and simplify communication between all the professionals involved.
Customer Service: Excellent, even though Habito is an online mortgage broker, it’s very convenient to speak to brokers via livechat or video call.
How does Habito work?
1. The process starts with creating an account and completing an online fact-find about your finances, property plans and borrowing needs.
2. Once you’ve submitted your information, Habito searches thousands of mortgage deals from across the market to find suitable options.
3. You’re then matched with a dedicated mortgage adviser who reviews your situation and explains your choices. After you select a deal, Habito submits the application on your behalf and handles the paperwork and communication with the lender.
Throughout the process, you can track progress via your online dashboard until your mortgage completes.
Pros
- Fee-free mortgage advice
- Whole-of-market access
- Fully online process
Cons
- Habito Plus costs extra
- No lifetime ISA available
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Pricing
(5)
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Market Access
(5)
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App & Platform
(5)
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Customer Service
(5)
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Research & Analysis
(4.5)
Overall
4.9Habito News
- Monzo acquires Habito to accelerate push into mortgages – UK challenger bank Monzo has agreed to acquire UK mortgage broker Habito in its first major takeover, marking a significant step in its ambition to become a fully fledged financial “super-app”. While the purchase price has not been disclosed, the deal signals Monzo’s intent to move deeper into the lucrative home-buying market and build a […]
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