Habito review
Best Mortgage Broker
Online mortgage broker that compares thousands of deals from 90+ lenders. Free broker service with AI-powered matching. Also offers own Habito One mortgage.
Overview
Habito is the UK's leading online mortgage broker — comparing deals from 90+ lenders to find you the best mortgage. The standard broking service is completely free. They also offer their own product, Habito One, a fixed-for-life mortgage.
Who Is Habito Best For?
- Anyone getting a mortgage — free broker service with whole-market access
- First-time buyers — guidance through the entire process
- Remortgagers — find a better deal when your current fix ends
- Those wanting convenience — entirely online, no branch visits needed
- People wanting certainty — Habito One locks your rate for the entire term
How the Free Broker Service Works
- Tell Habito about yourself — income, deposit, property type (10 minutes online)
- Get personalised recommendations — ranked by total cost, not just rate
- A human advisor reviews your case — checks everything and handles the application
- Habito manages the process — from application to completion
- You pay nothing — the lender pays Habito a procuration fee
Habito makes money from procuration fees paid by lenders — the same way all mortgage brokers earn. You pay absolutely nothing for the service. The recommendations are unbiased because Habito earns the same fee regardless of which lender you choose.
Habito One: Fixed for Life
Habito's own mortgage product offers a rate fixed for your entire mortgage term (up to 40 years). No remortgaging every 2-5 years, no rate shock, no uncertainty.
| Feature |
Habito One |
Standard 5-Year Fix |
| Rate period |
Entire term (up to 40 years) |
5 years |
| Remortgage needed |
Never |
Every 5 years |
| Rate |
Higher |
Lower |
| Peace of mind |
Maximum |
Moderate |
| ERCs |
None after 12 months |
Yes during fixed period |
The rate is higher than a standard 2 or 5-year fix. But you never need to remortgage, never face rate shock, and never pay for a broker or solicitor again. Over 25 years, the total cost can be comparable — especially if interest rates rise during that period. It is a bet on certainty vs flexibility.
What Habito Lacks
- Habito One rates are higher — you pay a premium for lifelong certainty
- Response times vary — can be slower during busy periods
- Complex cases may need specialist brokers — self-employed, non-standard properties
- No in-person meetings — entirely online and phone-based
- Broker service only (except Habito One) — still need to go through lender approval
The Bottom Line
Start with Habito's free broker service — there is no reason not to. They compare 90+ lenders and manage the entire process at zero cost to you. Whether Habito One is right depends on how much you value payment certainty versus getting the lowest possible rate today.
Pros
- Compares 90+ lenders
- Free broker service
- Habito One — own fixed-for-life mortgage
- Online-first experience
- Excellent Trustpilot ratings
Cons
- Broker — not a direct lender (except Habito One)
- Habito One rates can be higher
- Response times vary
- Complex cases may need specialist
- Limited to UK residential