LAST REVIEWED: JUNE 2026
Habito scores 67/100 on the KT Score. Habito is a UK digital mortgage broker founded in 2016 and FCA-authorised under FRN 745513. It operates an online-first model allowing consumers to compare mortgage deals from over 90 lenders and apply digitally without needing to visit a branch or speak to a traditional broker. Habito also offers its own mortgage product, Habito One, a long-term fixed rate mortgage designed for borrowers who want certainty over 10 to 40 years. The 67 score reflects a strong lender panel, transparent fee structure and positive Trustpilot scores, offset by a product range that is narrower than whole-of-market traditional brokers and the relative newness of the Habito One product in the market.
What Habito does
Habito was founded in 2016 by Daniel Hegarty with the aim of digitising the UK mortgage application process. The firm offers two services: a free online mortgage broker service comparing deals from over 90 lenders, and Habito One, a proprietary long-term fixed rate mortgage product available for terms of 10 to 40 years.
The free broker service allows borrowers to answer questions online about their income, deposit, property and circumstances and receive a comparison of available mortgage deals across Habito's lender panel. A mortgage adviser is available online or by phone if needed. Habito does not charge borrowers a fee for the broker service; it receives a procuration fee from lenders when a mortgage completes.
Habito One is a fixed-rate mortgage offered directly by Habito through its own lending licence. It targets borrowers who want to lock in a rate for an extended period of 10 to 40 years, eliminating the need to remortgage every two to five years. The product is available for purchase and remortgage on residential properties.
Habito is FCA-authorised as a mortgage intermediary under FRN 745513. Its Habito One lending activity is conducted under a separate regulatory permission. Both can be verified on the FCA Financial Services Register at register.fca.org.uk.
Products and services
| Product | Key feature | Fee to borrower |
|---|---|---|
| Online mortgage broker | 90+ lenders; online application; digital-first | Free (paid by lender) |
| Habito One | Fixed rate 10-40 years; eliminates remortgage cycle | Standard product fees |
| Remortgage service | Same broker service for existing homeowners switching deals | Free (paid by lender) |
How Habito compares
| Broker | KT Score | Lenders | Fee to borrower | Best for |
|---|---|---|---|---|
| Habito | 67 | 90+ | Free | Digital-first, long-term fix |
| London and Country | 72 | 90+ | Free | Whole of market, complex cases |
| Trussle | 63 | 70+ | Free | Online, first-time buyers |
See also: Online mortgage brokers compared | Mortgage broker guide UK
Disclaimer: This profile is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice or a recommendation to purchase any product or service. KT Scores are independent editorial assessments based on publicly available primary data. Kael Tripton Ltd is not authorised or regulated by the FCA. Verify all details directly with the provider before making any purchasing decision. Kael Tripton Ltd, Company No. 17177071, ICO ZC135439.
Frequently asked questions
Is Habito a legitimate mortgage broker?
Yes. Habito is authorised and regulated by the Financial Conduct Authority as a mortgage intermediary under FRN 745513. This can be verified on the FCA Financial Services Register at register.fca.org.uk. Habito was founded in 2016 and has arranged mortgages for tens of thousands of UK borrowers. Its Habito One lending product is separately regulated. As an FCA-authorised firm, Habito is subject to FCA Consumer Duty requirements, FOS complaint handling obligations and FSCS protections applicable to mortgage intermediary activities.
How does Habito make money if it is free?
Habito's free broker service is funded through procuration fees paid by lenders when a mortgage arranged through Habito completes. This is the standard remuneration model for UK mortgage brokers. The procuration fee is typically a percentage of the mortgage value, paid directly by the lender to Habito. Borrowers do not pay a broker fee for the standard service. Habito discloses its remuneration model in its key facts illustration and initial disclosure document as required by FCA MCOB rules.
What is Habito One and is it worth it?
Habito One is a long-term fixed rate mortgage available for terms of 10 to 40 years, allowing borrowers to lock in a rate for an extended period and avoid the cost and disruption of remortgaging every two to five years. The product is most suitable for borrowers who value certainty over the life of their mortgage above securing the lowest possible rate at any given point. The long-term fixed rate is typically higher than a short-term fixed rate available from high-street lenders. Whether Habito One is worth it depends on the individual's risk appetite, expected tenure in the property and view on future interest rate direction.
How many lenders does Habito compare?
Habito compares mortgage deals from over 90 lenders as of June 2026. This includes high-street banks, building societies and specialist lenders. Habito describes its service as covering a substantial portion of the available mortgage market. Consumers with complex circumstances such as self-employment, adverse credit, non-standard property types or high loan-to-value requirements should also consider whole-of-market brokers such as London and Country alongside Habito to ensure full market coverage.
Can I use Habito to remortgage?
Yes. Habito's broker service covers remortgage applications as well as purchase mortgages. Existing homeowners approaching the end of a fixed-rate term can use Habito to compare available remortgage deals across its lender panel. The process is conducted online with telephone support available. Habito compares the cost of remortgaging versus remaining on the lender's standard variable rate as part of its advice process.
