Habito Reviews 10.517

Becky has been invaluable in helping me apply for my mortgage and spotting any gaps in documents I had forgotten to upload. It was a really quick process which takes a lot of the initial stress out. Thank you so much Becky, you are brilliant!

Fantastic service, this way of doing a mortgage is a first ref on line for me and it was quick and so responsive. Much better than endless calls. Thank you and thanks to MSE.com who recommended

Habito’s agreement in principle was quick and easy to get so I could check how much I could afford and show this to sellers. When I finally agreed an offer on a property it was very quick for me to go through the mortgage application process with Olivia, who was really fast and helpful in answering my questions to figure out the best mortgage for me and get the rate locked in with the current turbulence in global markets, as well as making useful suggestions I hadn’t considered. I was kept informed at all steps of the process and quickly sent any extra forms that the mortgage provider needed completed.

We’ve had a great experience with Habito and would highly recommend them. Our mortgage doesn’t end until September, but they proactively reached out to help us secure a cheaper remortgage rate now, especially with the uncertainty around rates.

Olivia, our advisor, has been fantastic throughout. She’s responded quickly to all our questions and made the whole process feel simple and stress-free.

Excellent service from start to finish. 5 stars!

Becky was very knowledgeable and answered many questions while working quickly as rate volatility is high

Very quick and easy, would recommend

From initial enquiry through to mortgage offer the communication and service has been first class. During my engagement with Habito I changed property three times due to circumstances and the application also needed redone and submitted and in each episode I never felt like I was inconveniencing anyone even though I got a bit needy at times and they were very understanding and reassuring in keeping me updated. Scott and Kyndra dealt with my case and both were exceptional. Thanks for all your help.

We had a really positive experience using Habito, especially working with Jo. She was clear, responsive and took the time to explain everything in a way that actually made sense, which really helped take the stress out of the process. She kept things moving and was always on hand to answer questions quickly. Would definitely recommend Habito, and Jo in particular, for anyone looking for straightforward and supportive mortgage advice.

Habito is an incredibly easy app to use with simple questions that lead to clear outcomes. I went back and forth with Toby several times and his patience, clarity of explanation and support was very much appreciated. He even worked out of hours to lock a rate in for me and has assured that we can review this again should the rates drop.
Cannot fault the speed in communication, or the quality. I was dreading dealing with my mortgage, as I feel as though it’s a world I don’t understand, but Toby helped me the whole way through the process and even supported to discuss additional borrowing options.
Very impressed. Would absolutely use this service again!

As a first time buyer, I had little knowledge about how to get a mortgage and what option was best for me and my circumstances. I contacted Habito and never looked back. I was quickly introduced to Alicia who guided me through the process. I was later provided an easy to understand report including the various lenders and rates with recommendations which made it very simple. After I had chosen the lender I wished to go with, I was passed on to Jo who guided me through the application process and kept in contact whilst awaiting to hear back from the lender. This was later approved. Both Alicia and Jo were very responsive to any questions I had or any further information I provided. I knew I was in good hands and would recommend Habito to anyone looking for any mortgage advice.

Appreciate all of the help from Teddy and Dan on getting us set up really quickly and always being responsive, proactive and providing good advice on the purchase process.

Also shout out to Callum and Lindsey for their advice and support on the Life Insurance side and making this as easy as possible.

Overall would highly recommend using Habito.

We reached out for remortgage advice from Habito after being let down by a competitor. Ashton and the team listened carefully to our requirements, prepared a range of mortgage options and presented them with their recommendation. We finished the entire process within about an hour. Ashton was knowledgeable and thorough - checked with us a few times that he understood our requirements. We will definitely use Ashton and the team at Habito again!

Great experience with my mortgage and now, 2 more remortages... Fantastic efficient team who really put effort into making customers feel valued and with a sense that they are really looking out for you! Strongly recommend. Thanks Raj for all your advice and effort!

A very smooth and frictionless process.
The team are fast with responses.
The UI is very clean, easy to read, and not in the least confusing.

Overall a great and easy experience.

Fantastic customer service and advice. The team was prompt with my requests and always ready to help. Alicia was able to find me an excellent remortgage package. Jo and the team provided an excellent CS experience.
Thank you for your help!

As a first-time buyer, I had a fantastic experience with Habito arranging my mortgage, along with the added support of Habito Plus handling the legal side of the purchase. The team supported me every step of the way and always made me feel like they were on my side, consistently going the extra mile.

A special thanks to Antra and Mariam, as well as Jay, Abbey, and Donna from the Habito Plus team, for their professionalism, clear communication, and dedication throughout the process.

I wouldn’t hesitate to recommend Habito to anyone looking for a smooth and stress-free mortgage experience.

TL;DR: Almost paid a previous broker £500 to remortgage, but Habito did it completely for free (and promised me £25 cashback upon completion with them!). My mortgage expert, Olivia, was fantastic. She answered all my questions, put my mind at ease, and worked fast to lock in a 4.4% HSBC deal to protect me from rising market rates. Highly recommend!

Full Review:
I had been trying to find a good remortgage deal for months. A previous broker I used told me I couldn't look at product transfers until April 1st (4 months before my renewal) and said if I wanted to move to another bank, I’d have to pay them a £500 fee. With global news causing mortgage rates to rise steadily, it was incredibly depressing watching rates climb while being told I was stuck waiting unless I paid up.

Thankfully, a prompt in my Monzo app led me to check out Habito, and the difference was night and day. After answering a few profile questions, I was assigned to Olivia as my mortgage expert via their chat system. Olivia was highly professional and patiently answered all of my anxious questions. She confirmed there were absolutely no hidden fees (for Habito or the lender), we could review the rate anytime before completion in case they drop, and I was advised that I'm will £25 cashback for remortgaging with them (once completed). That definitely beats paying someone £500!

We originally tried to grab a 4.2% rate with Clydesdale Bank, but Olivia honestly advised me that Clydesdale was pulling their deals by the end of the day. Because it was already 3 PM, there wasn't enough time for underwriting. I quickly finished uploading my ID, payslips, and bank statements to Habito's incredibly easy-to-use site so we were ready for the next option.
First thing the next morning, Olivia reached out having found the next best deal with HSBC at 4.4%, and we locked it in.

I am kicking myself that I relied on my previous broker and didn't reach out to Habito sooner, but I am so happy to finally be protected from further rate rises. I had a wonderful experience with Olivia and the whole Habito platform. I look forward to working with them over the next few months to see if we can catch a better rate, but if not, they have well and truly rescued me.

Helen was my advisor and I first spoke with her a few weeks ago, given the ever changing market at the moment I am confident that she has guided me through the best options for me at the moment. Thoroughly personable and helpful thankyou Helen

Monzo recommended Habito, and I'm so glad they did, as the timing was spot on to update our mortgage. Olivia, our adviser, was very helpful, professional, and engaging, and gave us the best options and kept us informed of all the necessary information. It was all done and completed in a couple of days. Fantastic service.

Toby was very quick, clear and communicative. Their online portal is very user friendly and I was pleased with the mortgage deals they offered.