If you’re looking for a speedy, hassle-free way to find the best mortgage deal, Habito could be a great tool to use.
The online mortgage broker was designed to remove the stress of searching through tens of thousands of mortgages. What’s more, it’s completely free to use.
After collecting some basic details, Habito uses an intelligent algorithm and qualified experts to search through over 20,000+ products from more than 95 lenders to find you a suitable mortgage deal. The process takes around 15 minutes.
If you have any questions, you can contact a human via telephone or live online chat. Habito’s phone line is open 9am to 6pm Monday to Friday.
You can even manage your completed mortgage through Habito or use it to identify the best remortgaging opportunities.
The homebuying experience is a tricky one, and services like Habito can help ease that pain a little. It’s free, quick to use and offers unbiased advice, so it’s worth a go. You’ll still have expert support alongside a market-wide search. And if you’re really wanting to simplify the process, you’ve got the option of using Habito Plus which will take care of everything in one place.
Once you’ve created a Habito account, you’ll be asked to fill in basic personal and financial details, and specify what type of mortgage you’re looking for. That part took 5-10 minutes when we tested it.
Once that’s done, you’ll be connected with a bona-fide human mortgage expert over live chat. So then you ask Habito’s qualified adviser whatever’s on your mind, and they’ll generally guide you through the process. They’ll recommend you a mortgage deal based on the information submitted and a basic affordability check (that leaves no footprint on your credit record). Habito is whole-of-market, so the advice you receive is unbiased.
You obviously don’t have to finish everything in one go – you can just log out, then log back in later and hit “Resume chat”.
When you’ve found the deal for you, Habito handles the application process and liases with the lender.
Later, Habito will also provide alerts for when it’s time to remortgage. It also helps you with protection services including life insurance, income protection and critical illness cover.
Habito is fully authorised and regulated by the Financial Conduct Authority, which means it’s bound to the same regulations as all major financial companies across the UK.
The company promises never to unnecessarily share your personal data with a third party.
The service is legitimately free to use. There are no hidden charges. Habito receives commission from the lenders it recommends, so there’s no need to charge its users. Nevertheless, it will still reveal how much commission is being made from your deal.
You can visit Habito and create an account within minutes. If you prefer, you can sign up using your Google or Facebook account.
Habito is a free advice service. Instead of charging you a fee, it receives commission from the lenders it recommends to you (like most brokers do).
Habito Plus is desgined to provide an end-to-end homebuying experience, so not just the mortgage but the legal work and property services as well. This includes a conveyancing solicitor, a level 2 or 3 property survey, a Personal Customer Success Expert and tracking through until completion.
There is a fee for this service, but that includes:
Habito has a TrustPilot score of 4.9 out of 5 from more than 10,000 reviews, rating it “Excellent” (as of April 2026).
Some customer comments spoke of how quick and convenient the service was, as well as how helpful the customer service experts were. Another key theme from customers was how transparent Habito is and how its Mortgage Expert’s patiently explained everything thoroughly.
We think Habito’s the best of both worlds: it’s instant and online, but you get access to actual human experts who can hold your hand when you need it (which most of us will at some point when buying a first home).
If we’re being picky, you could perhaps get a more human and looked-after service from somebody local to you. But chances are you’d have to book apointments in advance to get a few minutes of their time.
It’s also great that Habito’s free and full-market. That means that you don’t have to shop around all the banks, or use multiple comparison sites, to feel like you’ve done your due diligence.
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