Habito Reviews

Ratings based on 31 reviews Last review 2 weeks ago
4.89 / 5Amazing overall rating

Habito is a unique digital mortgage broker aiming to "bring the mortgage application process into the 21st century". If you're looking to read Habito reviews, see what our community members have to say about this innovative service below. Already ...

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Habito is a unique digital mortgage broker aiming to "bring the mortgage application process into the 21st century". If you're looking to read Habito reviews, see what our community members have to say about this innovative service below. Already used Habito to secure your mortgage? Please share your own Habito review below!

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Your Habito Reviews (31)

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5th February 2018

Habito almost cost me my mortgage and house purchase

Almost cost me my mortgage and unhelpful when the bank screwed...

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Almost cost me my mortgage and unhelpful when the bank screwed up.

I applied for a mortgage last April through Habito. However, the lack of support and "greenness" of the Habito team meant that I had to wait 3 months for my mortgage to be approved, and was given false information multiple times.

Here are reasons why you shouldn't go with Habito:
- despite being "online first", the application tracker is not really updated by Habito or granular enough in terms of the mortgage steps. So it is close to useless.
- during the entire process, my mortgage case was passed to more than 5 Habito employees, like a conveyor belt, each one only responsible for a stage of the process. There was no continuity
- there is an online chat function, which is easier than email or phone. But that is only if your case manager replies promptly. Many times I was left waiting more than 24 hours for a reply, and had to call to chase.
- I was provided wrong information multiple times. The worst was when I was told by my case manager that my mortgage had been final approved, which is the step before exchange. Only to be told two days later that it was a mistake. The other time I was told that the valuation survey had been completed. But two weeks later, I was told it had not.

So if you want a trusted pair of hands with your house purchase and mortgage process, stick to a professional, tried and tested old school mortgage broker.

I get the feeling that Habito is just a fancy website, lots of VC money, and very green operational managers who think they can just hire a team to man a chat/call centre.

But mortgage brokering can be complicated, unfortunately Habito is of no help if things go wrong with your mortgage process. Which is why you want to go with a mortgage broker - to help you if things go wrong.

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6th December 2017

Fast, seamless, professional

Rosita was diligent and extremely helpful in getting us an agreement in principle as soon as possible - the same day - so that we could get an offer in on the house we...

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Rosita was diligent and extremely helpful in getting us an agreement in principle as soon as possible - the same day - so that we could get an offer in on the house we wanted.
The mortgage application itself was painless, and again very quick - we had our mortgage approved and an offer letter in our hands in around a week.
We would definitely use Habito to remortgage in two years' time, and we'll make sure to tell our friends in the meantime!

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21st November 2017

Easy to use and great customer service

The question was: How likely is it that I would recommend Habito to friends and family? The answer is that I already have, to everyone I know buying a place or even just looking for a better deal on their existing mortgage. The customer service is...

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The question was: How likely is it that I would recommend Habito to friends and family? The answer is that I already have, to everyone I know buying a place or even just looking for a better deal on their existing mortgage. The customer service is superb, the whole process is so simple, and very quick. Can’t recommend it enough.

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17th November 2017

A long awaited service

Habito provides an exceptional service and helps to uncomplicate the frankly tedious task of mortgaging. No more long weekday interviews which are pretty much impossible for most people to schedule in without taking annual leave which you're bound to...

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Habito provides an exceptional service and helps to uncomplicate the frankly tedious task of mortgaging. No more long weekday interviews which are pretty much impossible for most people to schedule in without taking annual leave which you're bound to feel resentful for! Unless of course you've somehow managed to book a Saturday appointment months in advance. The application process is simple, all staff are helpful and readily available, the website and chat function work brilliantly on desktop or tablet and the UI overall is very good. It's really about time that a service like habito came about to update the mortgage process. Habito are a fee free modern broker that cover a very large portion of the market and are transparent in telling you the lenders that they don't cover. My only hope for the future is that they can keep up the good level of service, as I am sure that demand for them will only increase.