Habito Reviews 10,517

TrustScore 5 out of 5

4.9

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their exceptional helpfulness, patience, and professional approach, making complex processes feel seamless and stress-free. Many appreciate the excellent customer service, highlighting quick response times, clear communication, and personalized advice that genuinely serves their best interests. The user-friendly interface and efficient service are frequently mentioned as key factors contributing to a positive overall experience. However, some people were dissatisfied with the service, describing it as the worst company they had used, particularly regarding conveyancing. A few customers reported poor advice and slow progress, which led to significant delays and potential risks in their property purchase.

What people talk about most

Staff

Customers consistently note positive experiences with staff. Many reviewers praise the team members for being... See more

Service

Consumers generally express satisfaction with the service. Many reviewers highlight the efficiency and... See more

User experience

People report positive experiences with user experience. Customers praise the modern, easy-to-use interface... See more

Response time

Clients share positive opinions on response times, frequently highlighting the quick and efficient... See more

Customer service

Reviewers express high satisfaction with customer service, highlighting the team's responsiveness, support,... See more

Based on these reviews

Rated 5 out of 5 stars

Tobias from Habito was our Mortgage expert and made the whole process seamless. His dedication to ensuring we got the correct mortgage product and giving us the best advice show why he is in the profe... See more

Rated 5 out of 5 stars

Excellent service from Jessica. Re-mortgage deal was first class and the whole application process was straightforward, everything so far could be easily uploaded to their online portal. Jessica was... See more

Rated 5 out of 5 stars

Amazing really, Teddy is top tier. What a lovely person, I felt so at ease they truly are a good company with incredible interface! Teddy made me feel so relaxed about it all. Felt less stressful than... See more

Rated 5 out of 5 stars

I used Habito Plus for my home purchase and I am quite happy with the service received! The whole team Habito, from Antra to Mariam and my conveyancer team led by Barsena were absolutely fantastic and... See more

Rated 5 out of 5 stars

Habito has been a very good experience for me. I'm ADHD and quite a forgetful person so being able to communicate with messages has been great. Everything is there in writing for me to go over again s... See more

Rated 5 out of 5 stars

Toby from Habito made everything so easy. Was really communicative, gave great advice, and was super proactive in reaching out to get missing info so that I didn't lose my mortgage rate. The platform... See more

Rated 5 out of 5 stars

Great service, provided details for what I needed and the team were able to advise the best option for me within the same day. I have been able to arrange my new mortgage within two days with the sup... See more

Rated 5 out of 5 stars

We're brilliant at securing a remortgage for me at the best rates available. Very responsive and supportive. Have used twice now and would use again. Shout out to Melanie and Teddy as the people I... See more

Rated 5 out of 5 stars

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 an... See more

Rated 4 out of 5 stars

Used Habito for the first and can't fault it. It was made easier by not spending lots of time over the telephone as I waa able to do all online, even the initial application. I did enquire other mort... See more

Rated 5 out of 5 stars

As a first-time buyer, I have no point of reference for applying for a mortgage (but I have been told it is very stressful). Everyone I have dealt with has been more than helpful and friendly througho... See more

Rated 5 out of 5 stars

Joana and Jo were amazing throughout the whole process! They replied quickly to any questions which was so reassuring as first time buyers. They were both so lovely and nothing was too much trouble. I... See more

Rated 5 out of 5 stars

Teddy from Habito was super efficient and calm. Shared a number of offers with me, took time to relate to my circumstances and pushed me through to the application stage. Appreciated the ease of the H... See more

Rated 5 out of 5 stars

I remortgaged with Habito 5 years ago and had a good experience, so I contacted them again. They always respond very quickly, explain things clearly, provide all the necessary information for an info... See more

Rated 5 out of 5 stars

I was in the market for a mortgage broker when I saw Habito recommended on MSE. I jumped in and I can see why it was recommended. I came into this process nervous and stressed after speaking to a... See more

Rated 5 out of 5 stars

Have been using Habito as mortgage broker for the last 3 remortgages. Tried going direct to lenders try to lure you with headline rates but after filling all paperworks give you a higher rate. In m... See more

Rated 5 out of 5 stars

I am currently in the process of remortgaging and Olivia has been amazing from the start with constant updates for better rates and updating me very quickly on the necessary documents I had to send ov... See more

Rated 5 out of 5 stars

Habito have made it so simple to renew our mortgage after our previous five year fixed term mortgage was expiring. Pietro was so helpful, he listened to what we needed and gave us great advice, making... See more

Rated 5 out of 5 stars

I've used Habito before and had a great experience so wanted to use them again when purchasing a new property. I really like the modern infrastructure of Habito and like being able to conduct ever... See more

Rated 5 out of 5 stars

I’ve just completed my second remortgage with Habito, and once again the experience was outstanding. In a market that’s been incredibly volatile, working with Helen, Megan, and Penny has been an a... See more

Rated 5 out of 5 stars

Dan has been amazing. Kept my updated daily and as soon as there is any movement he has updated me. I really like the detailed but clear and easy to follow steps. Highly recommend for FTB as we didn’t... See more

Rated 5 out of 5 stars

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. T... See more

Rated 5 out of 5 stars

Had a great experience chatting to Olivia so far. There was clarity in the conversation and advice. Surely recommend Habito, as the setting is so professional and the response is better than my previo... See more

Rated 5 out of 5 stars

Kris.D has been fantastic and made the process so far really easy for us. We have submitted our information and he has reviewed and asked for any further information the bank might need for our appl... See more

Rated 5 out of 5 stars

So far it’s been easy and straightforward🥰 but of course haven’t had approval yet so there are few stages to get through. Jessica was brilliant. She answered questions immediately. The platform is si... See more

Rated 5 out of 5 stars

I found Ahmet very helpful and helpful responded promptly to a number of questions. He found me a good deal and using the Habito dashboard is quite straightforward.

Rated 5 out of 5 stars

Kurt was absolutely fantastic from our first email exchange. Super responsive and nothing was ever too much trouble. Scarlett was also wonderful in keeping us in the loop whilst we were waiting... See more

Rated 5 out of 5 stars

The team were really helpful and made the entire process painless. Everything was well explained and broken down where it was needed. The team respond quickly and will help with any and all ques... See more

Rated 5 out of 5 stars

Jessica Corten at Habito has been so great to deal with. She’s been so honest, informative and always checked in. I felt very supported by her and would definitely use habito again!

Rated 5 out of 5 stars

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. Tho... See more

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

Scott has been amazing throughout all of this process. Super easy to access and upload documents. Easiest mortgage application service I’ve used

Rated 5 out of 5 stars

Toby was really helpful from the beginning. Really insightful and gave good recommendation even when we kept changing our minds! Really quick responses all throughout the week. 100% recommend.

Rated 5 out of 5 stars

I had a fantastic experience with Habito when securing my mortgage. The whole process was incredibly efficient from start to finish, and everything was explained clearly along the way. What really... See more

Rated 5 out of 5 stars

Used Habito three times, once for my initial first-time loan and then two subsequent remortgage deals. Pleased with the service each time. Sameer has positively supported me on numerous occasions (bot... See more

Rated 5 out of 5 stars

Olivia was excellent. Smart, quick, not reading from a script. I got the same deal offered by L&C with none of the tediously slow upselling. Website worked well to upload docs too. Thoroughly recommen... See more

Rated 5 out of 5 stars

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... See more

Rated 5 out of 5 stars

Ahmet was very professional and helpful in filling out the application and answering questions regarding moving to a BTL mortgage from a residentual property. Process was very smooth and it's the seco... See more

Rated 5 out of 5 stars

Had a great experience with Katelyn handling my case – she was lovely, really communicative and helpful at explaining the process, and would drop me a message if she needed more info from me. After su... See more

Rated 5 out of 5 stars

Teddy was very helpful, responsive, and professional throughout my mortgage application. Habito made the process simple and easy to follow, with clear guidance at every step. He explained ever... See more

Rated 5 out of 5 stars

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 th... See more

Rated 1 out of 5 stars

Terrible experience - i suppose because its free for the customers they dont put in enough effort and they were rude anyways. Use at your own risk

Company replied

Rated 5 out of 5 stars

Habito and their team were really helping in helping me find the best mortgage deal and helping me secure my mortgage. Jo, Emily and the team were very helpful and knowledgable - they were able to he... See more

Rated 5 out of 5 stars

2nd time using Habito to secure a mortgage. Communication great and they have access to the best deals without having to use a normal broker. Highly recommend.

Rated 5 out of 5 stars

Always use Habito for our remortgages. They offer great advice and an efficient service throughout. Highly recommended. Particular thanks to Pietro. 5*

Rated 5 out of 5 stars

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 Al... See more

Rated 5 out of 5 stars

My enquiry was handled by Alicia, an extremely helpful and very understanding lady who took the time to explain things I was struggling with and showed genuine care in my needs as a customer ensuring... See more

Rated 5 out of 5 stars

Have used Habito for remortgaging in the past, a new mortgage/home purchase and again recently when changing our fixed rate. Will always come back to them when needed - they find great rates, have ad... See more

Rated 5 out of 5 stars

It was great experience, Kul and Lindsay were very helpful. Great team! Highly recommend! Thank you ☺️

Rated 5 out of 5 stars

Excellent and efficient service from Matt at the Habito team. Communication was prompt and he helped us secure the best rate available for our remortgage. Highly recommended.

Rated 1 out of 5 stars

Not our first property transaction but the worst company we have ever used. Went for plus although it was expensive to make life easier. wish we hadn’t. Broker doesn’t keep up with market rate change... See more

Company replied


Company details

  1. Mortgage Broker
  2. Mortgage Lender

About Habito

Written by the company

Habito will get you the best mortgage possible. Fast, transparent and impartial - we’ll take care of it. Using a unique combination of cutting edge technology and industry-leading mortgage experts, homebuyers can, for the first time, be sure they are getting the best deal for them.

Whether you’re a first-time buyer, you’re moving, remortgaging, or simply taking back control of your finances, a mortgage is a big decision - it’s no surprise that 4 out of 5 people seek advice from a broker.

Unlike a traditional broker, our technology analyses every mortgage on the market from over 90 lenders to find the best one for you in seconds. Once we find you the right mortgage, we’ll be with you every step of the way. You’ll have a dedicated mortgage expert who will keep you updated with the progress of your application from start to finish, and will always be on the end of the phone or live-chat to answer your questions.

Sign up from any connected device, 24/7 - we’ll find you the best match and manage your entire mortgage application, all online in record time.

Contact info

4.9

Excellent

TrustScore 5 out of 5

11K reviews

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Replied to 100% of negative reviews

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Rated 5 out of 5 stars

Happy with my overall experience using…

Happy with my overall experience using Habito, and specifically the service provided by Toby throughout. Market conditions have changed for the worse between now and when I first contacted Habito a few weeks before I was able to start the remortgaging process, but Toby’s knowledge and diligence helped me secure a new mortgage in a timely manner that is suitable based on the change of circumstances geopolitically. Would recommend Habito to others.

1 April 2026
Unprompted review
Rated 5 out of 5 stars

Habito made the mortgage process very…

Habito made the mortgage process very smooth and stress free. Communication was clear throughout, and I felt supported at every stage. Really happy with the service so far and would definitely recommend.

2 April 2026
Unprompted review
Rated 5 out of 5 stars

I had a fantastic experience with…

I had a fantastic experience with Habito when securing my mortgage. The whole process was incredibly efficient from start to finish, and everything was explained clearly along the way. What really stood out was how easy they were to deal with—no unnecessary stress or confusion, just straightforward, professional support.

The team was responsive, Kyndra and Antra, were super helpful, and made what can often feel like a complicated process surprisingly simple. I always felt informed and confident in each step, which made a huge difference.

I’d highly recommend Habito to anyone looking for a smooth and hassle-free mortgage experience.

1 April 2026
Unprompted review
Rated 5 out of 5 stars

I came across Habito while searching…

I came across Habito while searching online for a mortgage broker, and from the very beginning they have been professional, friendly, and highly communicative.

Once my offer on the house was accepted, Matt, my mortgage broker, quickly found a mortgage that I was happy to proceed with. I chose the Habito Plus service for a smoother, less stressful experience, and I’m really glad I did. I was then introduced to Mariam, who handled my mortgage application efficiently and professionally. In under two weeks, I received my mortgage offer, which exceeded my expectations in terms of speed.

I’ve since scheduled my Level 2 survey, and everything is progressing well with the conveyancer. So far, I’m very pleased with how smoothly everything is moving and the consistent communication from both Habito and their external partners.

Overall, a great experience so far, highly recommended for anyone looking for a supportive and efficient mortgage service.

1 April 2026
Unprompted review
Rated 5 out of 5 stars

Stress and hassle free- excellent!

As a first-time buyer, I have no point of reference for applying for a mortgage (but I have been told it is very stressful). Everyone I have dealt with has been more than helpful and friendly throughout. Would highly recommend, they spoon-fed me everything I needed to do which made it hassle free! Special thanks to David, Angelo, Scarlett, Patricia and Kate from the Protection team.

1 April 2026
Unprompted review
Rated 5 out of 5 stars

Highly recommended

Always use Habito for our remortgages. They offer great advice and an efficient service throughout. Highly recommended. Particular thanks to Pietro. 5*

1 April 2026
Unprompted review
Rated 5 out of 5 stars

Great remortgage advice in current market conditions

Really easy and smoother process. Olivia was great at advising the best deal for our remortgage and our options for if the rates improve in the next few months, especially in difficult market conditions currently. I would definitely recommend and use Habito again.

31 March 2026
Unprompted review
Rated 5 out of 5 stars

Remortgage process

I am currently in the process of remortgaging and Olivia has been amazing from the start with constant updates for better rates and updating me very quickly on the necessary documents I had to send over. I used habito to get the mortgage initially and will continue to use

31 March 2026
Unprompted review
Rated 5 out of 5 stars

Habito offer professional advice and guidance and genuinely work in your best interests.

Habito has been a very good experience for me. I'm ADHD and quite a forgetful person so being able to communicate with messages has been great. Everything is there in writing for me to go over again so I don't have to keep asking the same questions. Everyone who's dealt with my process with Habito has been patient, understanding and professional and has cut out all the jargon when I needed a clearer understanding of something. My advisor, Jo, was tremendous. I feel confident going forward that I've been given then best advice and guidance for my mortgage and that Habito genuinely worked in my best interests. I am extremely thankful and look forward to my future🙏🏼

31 March 2026
Unprompted review
Rated 5 out of 5 stars

Very easy and straightforward to use

Very easy and straightforward to use, efficient and helpful!
Patricia helped me with multiple offers and agreements, and other staff members stepped in to provide constant high level service when needed.
Thanks Habito!

30 March 2026
Unprompted review
Rated 5 out of 5 stars

Teddy was very helpful

Teddy was very helpful, responsive, and professional throughout my mortgage application.

Habito made the process simple and easy to follow, with clear guidance at every step.

He explained everything clearly and helped me find the most cost-effective deal.

Great support from start to finish — highly recommended!

30 March 2026
Unprompted review
Rated 5 out of 5 stars

Habito for first time buyers

Our first contact at Habito was Becky. As a first-time buyer the process seemed a bit daunting, but they were really helpful and explained everything in a concise and clear way. Becky guided us through the mortgage application, making sure we got the best product for us and giving great advice as to which documents and information we would need to submit. Becky then made sure we were put in touch with other relevant members of their team for the next steps. Jess got in touch soon after with updates on our application. The communication from this team is excellent. The online Habito portal is great too. It’s really straightforward and easy to use. If you want to make this process as seamless as possible then get in touch with Habito!

30 March 2026
Unprompted review
Rated 5 out of 5 stars

Alicia was a life saver

Alicia was a life saver! She really went out of her way to find us the best offer available and took her time to explain the ins and out of each option / was happy to answer our questions. The lack of upfront broker fees involved in this service is brilliant too! Thank you again! :)

30 March 2026
Unprompted review
Rated 1 out of 5 stars

Terrible experience

Terrible experience - i suppose because its free for the customers they dont put in enough effort and they were rude anyways. Use at your own risk

18 July 2025
Habito logo

Reply from Habito

Thank you for your feedback.

We’re sorry to hear that your experience didn’t meet expectations, and that our service came across this way when we were unable to continue supporting your application.

Our service is free for customers, but we’re committed to providing a high standard of support throughout and take onboard all feedback.

Thanks
Team Habito

Rated 5 out of 5 stars

Teddy from Habito was really helpful…

Teddy from Habito was really helpful and patient with me (I asked loads of questions, and took a lot of time waiting to see if the economy started to get better - spoiler: it didn't).

He was a pleasure to work with, and I would highly recommend.

27 March 2026
Unprompted review
Rated 5 out of 5 stars

Mortgage renewal in a time of conflict

It is just my luck to renew my Mortgage in the midst of a new war when the markets are going crazy but here we are. When I engaged with Habito I was put into contact with Becky who was fantastic. I can only imagine how hectic the last few weeks have been for this industry but Becky really did deliver. She helped us to gather all our documents and submit our application in a really short space of time and she has taken care to make sure we are well cared for with the wider team.

The system used by Habito is effectively a human driven chat bot and it is really easy to use, there was no nonsense, no asking the same question twice and when it came to the affordability review, i felt like this was extremely pragmatic.

I will certainly use them again!

17 March 2026
Unprompted review
Rated 5 out of 5 stars

Joana helped us make this experience…

Joana helped us make this experience incredibly easy and smooth.

They were very helpful and took time to explain everything.

As first time buyers it was very overwhelming, could not recommend this service enough.

27 March 2026
Unprompted review

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