Habito review

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.

Our verdict: Is Habito worth it?

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.

Habito’s pros and cons

How does Habito work?

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.

Is Habito safe?

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.

Habito founder Daniel Hegarty talks about how the service is different

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Where do I sign up?

You can visit Habito and create an account within minutes. If you prefer, you can sign up using your Google or Facebook account.

How does Habito make money?

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).

What is Habito Plus?

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:

• Legal costs (like the land registry fee and searches)
• A property survey
• Habito support services

Habito’s customer reviews

Habito has a TrustPilot score of 4.9 out of 5 from more than 10,000 reviews, rating it “Excellent” (as of July 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.

The bottom line

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.

Frequently asked questions about Habito

• Will Habito work with my personal situation?

  Even if your situation is particularly complicated, Habito’s human advisors will be able to ask you more questions to ensure they find you the best possible deal.

• Is my data safe with Habito?

  Habito is regulated by the Financial Conduct Authority, which means it is bound by the same data protection standards as any major financial company. It promises not to share your details with any third party beyond what’s necessary.

• Why is using Habito cheaper and easier than going directly to my bank?

  The main advantage of using Habito is their impartiality. Habito aren’t gaining anything by encouraging you to use a particular bank – their only concern is finding the best deal. While a bank will only offer their own products, Habito has access to a wide range of products from a variety of different lenders.

• How long will it take to get my mortgage with Habito?

  While this varies from case to case, on average it’ll take between 4-8 weeks. Habito will give you a reliable estimate based on your application and your chosen lender once you’ve applied. Habito’s case management team are always in contact with lenders, and so they’ll keep you informed on a daily basis.

• Can Habito assist me if I'm paying too much on my mortgage?

  Yes. Habito have a mortgage calculator on their website that you can use to find out how much you should be paying. However, the calculator doesn’t take into account certain factors such as debt levels, dependent, age and credit score. To take account of these factors, you’ll need to fill out some information and speak to Habito’s team of advisers.

Written by

Matthew Boyle

Publisher

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise

Matthew has written 214 Finder guides across topics including:

• Helping first-time buyers apply for a mortgage
• Comparing bank accounts and highlighting useful features
• Publishing easy-to-understand guides