{"id":153021,"date":"2018-12-03T14:19:58","date_gmt":"2018-12-03T14:19:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=153021"},"modified":"2026-04-23T10:53:33","modified_gmt":"2026-04-23T09:53:33","slug":"habito","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/habito","title":{"rendered":"Habito review"},"content":{"rendered":"

If you\u2019re looking for a speedy, hassle-free way to find the best mortgage deal, Habito could be a great tool to use.<\/p>

The online mortgage broker was designed to remove the stress of searching through tens of thousands of mortgages. What\u2019s more, it\u2019s completely free to use.<\/p>

After collecting some basic details, Habito uses an intelligent algorithm and qualified experts to search through over 20,000+ products from more than 90 lenders to find you a suitable mortgage deal. The process takes around 15 minutes.<\/p>

If you have any questions, you can contact a human via telephone or live online chat. Habito\u2019s phone line is open 9am to 6pm Monday to Friday. <\/p>

You can even manage your completed mortgage through Habito or use it to identify the best remortgaging opportunities.<\/p>

Our verdict: Is Habito worth it?<\/h3>

The homebuying experience is a tricky one, and services like Habito can help ease that pain a little. It\u2019s free, quick to use and offers unbiased advice, so it\u2019s worth a go. You\u2019ll still have expert support alongside a market-wide search. And if you\u2019re really wanting to simplify the process, you\u2019ve got the option of using Habito Plus which will take care of everything in one place. <\/p>

Habito\u2019s pros and cons<\/h3>
\n
\n

Pros<\/h4>\n
    \n
  • Habito is free to use.<\/li>\n
  • It's quick and hassle-free.<\/li>\n
  • It's 100% online and available 24 hours a day.<\/li>\n
  • You can speak to a human advisor online whenever it's convenient for you, including evenings and weekends.<\/li>\n
  • Habito will help you submit a mortgage application to 95+ lenders.<\/li>\n
  • It has fully qualified experts.<\/li>\n
  • Habito is regulated by the Financial Conduct Authority.<\/li>\n <\/ul>\n <\/div>\n \n
    \n

    Cons<\/h4>\n
      \n
    • There is no assistance offered when initially entering your information.<\/li>\n
    • Habito's algorithm might struggle to find you the best deal if your financial circumstances are complicated.<\/li>\n
    • There are no in-person meetings as everything is done online.<\/li>\n <\/ul>\n <\/div>\n <\/div>\n

      How does Habito work?<\/h3>

      Once you\u2019ve created a Habito account, you\u2019ll be asked to fill in basic personal and financial details, as well as what type of mortgage you\u2019re looking for. Once done, you\u2019ll be connected with a mortgage expert over live chat. <\/p>

      Habito\u2019s experts will 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 you\u2019ll receive unbiased advice. You\u2019ll also be able to ask questions along the way if you wish. <\/p>

      Once you\u2019re happy with the deal, Habito handles the application process and liases with the lender. <\/p>

      Habito will also provide alerts for when it\u2019s time to remortgage and it offers protection services including life insurance, income protection and critical illness cover.<\/p>

      Is Habito safe?<\/h3>

      Habito is fully authorised and regulated by the Financial Conduct Authority, which means it\u2019s bound to the same regulations as all major financial companies across the UK.<\/p>

      The company promises never to unnecessarily share your personal data with a third party.<\/p>

      The service is legitimately free to use. There are no hidden charges. Habito receives commission from the lenders it recommends, so there\u2019s no need to charge its users. Nevertheless, it will still reveal how much commission is being made from your deal.<\/p>

      Habito founder Daniel Hegarty talks about how the service is different<\/h3>
      \n
      \n \"\"\n
      3:23<\/div>\n
      <\/div>\n