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HABITO: MORTGAGES MADE EASIERREFER A FRIENDPRESSBUY-TO-LET MORTGAGESBORROW WITH USABOUT USCAREERS Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register
(714187).
HABITO ONE: A FUTURE-PROOF, FLEXIBLE MORTGAGE Rates start at 2.99% and go up to 5.56%. Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
BUY-TO-LET MORTGAGE CALCULATOR This calculator assumes that: - You have £25,000+ income a year - You're not a first time buyer - You have a deposit of at least 20%. Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value. GET A MORTGAGE IN PRINCIPLE ONLINE, FREE! A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it. An MIP adds more credibility to any offers you make, too. That’s because it reassures sellers HABITO: MORTGAGES MADE EASIERREFER A FRIENDPRESSBUY-TO-LET MORTGAGESBORROW WITH USABOUT USCAREERS Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
HABITO ONE: A FUTURE-PROOF, FLEXIBLE MORTGAGE Rates start at 2.99% and go up to 5.56%. Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. HABITO INTERMEDIARY BROKER PLATFORM The basics, but better. Rates starting at 3.04%. Loan-to-value up to 80%. 5 year fixed deals from 3.49%. Fix your rate for 2-10 years. For a limited time: £500 cashback offer for eligible customers on every product*. Open to individual, company & portfolio landlords. * See the cashback terms and conditions. See our product range. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
BUY-TO-LET MORTGAGE CALCULATOR This calculator assumes that: - You have £25,000+ income a year - You're not a first time buyer - You have a deposit of at least 20%. Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value. WHAT FEES DO I PAY ON A MORTGAGE? Booking fees. Typically £100–£250, though some lenders don’t charge one, or incorporate it into the arrangement fee. Typically, you pay this to the lender when you submit your mortgage application to secure the rate you want. It’s non-refundable so if you don’t go COMPARE £50,000 MORTGAGE RATES & REPAYMENTS Let’s say you’re buying a £200,000 house with a £20,000 deposit. That makes your mortgage £180,000. Your LTV is £180k as a percentage of £220k = 90%. Usually, the lower your LTV, the lower interest rates you can get. That’s because lenders calculate LTV in bands: 60%, 70%, 75%, 80%, 85%, 90% and 95%. When you hit a new band, that HOW LONG DOES A MORTGAGE APPLICATION TAKE? Once you’ve applied (4–6 weeks) After you submit your application, your lender does a credit check on you, and also does what’s called an ‘affordability assessment’, to make sure you can actually afford the mortgage you’ve applied for. They’ll also carry out a valuation survey on the property to make sure it’s worth what you STAMP DUTY ON A £300,000 HOME (UPDATED 2021) After this date, from 1 July to 30 September, there’ll be no stamp duty on properties worth up to £250,000. If you’re buying from 1 October onwards, full stamp duty rates will be reinstated (which apply on all homes over £125,000). However, first time buyers will still only be required to pay the tax on homes over £300,000. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. YOUR COMPLETE HOME-BUYING SERVICE Buying a property and selling your current property. Habito Plus is our complete service for every aspect of home-buying. We take the hassle of buying off your shoulders. We help you sort the property survey, the mortgage, the legal work – everything you need. There's never been an easier way to buy. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
HABITO INTERMEDIARY BROKER PLATFORM Product highlights. Up to 80% LTV. Fixed terms up to 10 years. Available for both companies and individuals. Portfolio and non-portfolio products available (no price premium) Open to all including self-employed, first-time, retired and older landlords. For a limited time: Up to £750 cashback on every product. Download thefull product range.
GET A MORTGAGE IN PRINCIPLE ONLINE, FREE! A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it. An MIP adds more credibility to any offers you make, too. That’s because it reassures sellersCAREERS | HABITO
Help us set people free from the hell of mortgages. See our jobs. Mortgages are broken. For too long, they’ve disempowered, confused and excluded people. And in the UK, those who do have a mortgage pay 15.5 billion too much a year. We’re here to fix mortgages and rebuild home financing from the ground up. To put the customer firmlyback
SELF-EMPLOYED MORTGAGES: ADVICE, RATES & DEALS As a rule of thumb, if you’ve got a decent deposit to put down (say 10% of the property price) and your self-employed income is consistent and well-documented, you should be able to borrow around 4.5 to 4.75 times your salary before tax (your ‘gross annual income’). How much your earnings have fluctuated. HOW TO GET A MORTGAGE AS A FOREIGN NATIONAL Mortgages made easier. How to get a mortgage as a foreign national. You can get a mortgage in the UK even if you’re not a UK citizen. It’s less about where you born, and more about your credit history, and that you’re allowed to be in the UK and earn money there. UK REMORTGAGE CALCULATOR Hell or Habito: Find out how much you can borrow with our remortgage calculator that scans over 20,000 mortgages from 90+ lenders to find real products you could be eligible for. Calculate your remortgage savings or borrowing options. WHAT’S AN EARLY REPAYMENT CHARGE? A mortgage early repayment charge (ERC) is a fee you pay your lender if you: leave your mortgage before your initial period ends (even if you stay with the same lender) It’s usually a percentage of the mortgage you have left to pay and could be up to 5% of the mortgage you have left to pay. Example: Let’s say you had a £250,000mortgage
HABITO: MORTGAGES MADE EASIERREFER A FRIENDPRESSBUY-TO-LET MORTGAGESBORROW WITH USABOUT USCAREERS Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
HABITO ONE: A FUTURE-PROOF, FLEXIBLE MORTGAGE Rates start at 2.99% and go up to 5.56%. Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
BUY-TO-LET MORTGAGE CALCULATOR This calculator assumes that: - You have £25,000+ income a year - You're not a first time buyer - You have a deposit of at least 20%. Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value.CAREERS | HABITO
Help us set people free from the hell of mortgages. See our jobs. Mortgages are broken. For too long, they’ve disempowered, confused and excluded people. And in the UK, those who do have a mortgage pay 15.5 billion too much a year. We’re here to fix mortgages and rebuild home financing from the ground up. To put the customer firmlyback
GET A MORTGAGE IN PRINCIPLE ONLINE, FREE! A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it. An MIP adds more credibility to any offers you make, too. That’s because it reassures sellers WHAT FEES DO I PAY ON A MORTGAGE? Booking fees. Typically £100–£250, though some lenders don’t charge one, or incorporate it into the arrangement fee. Typically, you pay this to the lender when you submit your mortgage application to secure the rate you want. It’s non-refundable so if you don’t go STAMP DUTY ON A £300,000 HOME (UPDATED 2021) After this date, from 1 July to 30 September, there’ll be no stamp duty on properties worth up to £250,000. If you’re buying from 1 October onwards, full stamp duty rates will be reinstated (which apply on all homes over £125,000). However, first time buyers will still only be required to pay the tax on homes over £300,000. COMPARE £50,000 MORTGAGE RATES & REPAYMENTS Let’s say you’re buying a £200,000 house with a £20,000 deposit. That makes your mortgage £180,000. Your LTV is £180k as a percentage of £220k = 90%. Usually, the lower your LTV, the lower interest rates you can get. That’s because lenders calculate LTV in bands: 60%, 70%, 75%, 80%, 85%, 90% and 95%. When you hit a new band, that HABITO: MORTGAGES MADE EASIERREFER A FRIENDPRESSBUY-TO-LET MORTGAGESBORROW WITH USABOUT USCAREERS Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
HABITO ONE: A FUTURE-PROOF, FLEXIBLE MORTGAGE Rates start at 2.99% and go up to 5.56%. Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
BUY-TO-LET MORTGAGE CALCULATOR This calculator assumes that: - You have £25,000+ income a year - You're not a first time buyer - You have a deposit of at least 20%. Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value.CAREERS | HABITO
Help us set people free from the hell of mortgages. See our jobs. Mortgages are broken. For too long, they’ve disempowered, confused and excluded people. And in the UK, those who do have a mortgage pay 15.5 billion too much a year. We’re here to fix mortgages and rebuild home financing from the ground up. To put the customer firmlyback
GET A MORTGAGE IN PRINCIPLE ONLINE, FREE! A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it. An MIP adds more credibility to any offers you make, too. That’s because it reassures sellers WHAT FEES DO I PAY ON A MORTGAGE? Booking fees. Typically £100–£250, though some lenders don’t charge one, or incorporate it into the arrangement fee. Typically, you pay this to the lender when you submit your mortgage application to secure the rate you want. It’s non-refundable so if you don’t go STAMP DUTY ON A £300,000 HOME (UPDATED 2021) After this date, from 1 July to 30 September, there’ll be no stamp duty on properties worth up to £250,000. If you’re buying from 1 October onwards, full stamp duty rates will be reinstated (which apply on all homes over £125,000). However, first time buyers will still only be required to pay the tax on homes over £300,000. COMPARE £50,000 MORTGAGE RATES & REPAYMENTS Let’s say you’re buying a £200,000 house with a £20,000 deposit. That makes your mortgage £180,000. Your LTV is £180k as a percentage of £220k = 90%. Usually, the lower your LTV, the lower interest rates you can get. That’s because lenders calculate LTV in bands: 60%, 70%, 75%, 80%, 85%, 90% and 95%. When you hit a new band, that HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost.ABOUT US | HABITO
With Habito, you’ll have people by your side the whole way. They’ll take the stress off your shoulders and give you hours of your life back. Our team of amazing brokers will find you the best mortgage, and with our complete home-buying service, you’ll have the support of our surveyor and conveyancer partners too. YOUR COMPLETE HOME-BUYING SERVICE Buying a property and selling your current property. Habito Plus is our complete service for every aspect of home-buying. We take the hassle of buying off your shoulders. We help you sort the property survey, the mortgage, the legal work – everything you need. There's never been an easier way to buy.CAREERS | HABITO
Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
FIRST TIME BUYER MORTGAGES: ADVICE & RATES First, save for your deposit You’ll need to make an upfront payment on the place you want to buy – usually at least 5% of the property’s total value, ideally 10% and up. (Although right now in the UK, there a lot fewer options at lower deposit percents.) A mortgage calculator can help you check what you can afford. Get a mortgage in principle to show to estate agents An HOW TO REMORTGAGE: A QUICK & SIMPLE GUIDE Knowing how to remortgage can make the entire process feel a lot less daunting, especially if it’s your first time. Here, we’ll dive into the whats, whys, whens, and hows of switching to a new mortgagedeal.
HOW LONG DOES A MORTGAGE APPLICATION TAKE? Once you’ve applied (4–6 weeks) After you submit your application, your lender does a credit check on you, and also does what’s called an ‘affordability assessment’, to make sure you can actually afford the mortgage you’ve applied for. They’ll also carry out a valuation survey on the property to make sure it’s worth what you UK REMORTGAGE CALCULATOR Hell or Habito: Find out how much you can borrow with our remortgage calculator that scans over 20,000 mortgages from 90+ lenders to find real products you could be eligible for. Calculate your remortgage savings or borrowing options. WHAT’S AN EARLY REPAYMENT CHARGE? A mortgage early repayment charge (ERC) is a fee you pay your lender if you: leave your mortgage before your initial period ends (even if you stay with the same lender) It’s usually a percentage of the mortgage you have left to pay and could be up to 5% of the mortgage you have left to pay. Example: Let’s say you had a £250,000mortgage
HABITO: MORTGAGES MADE EASIERREFER A FRIENDPRESSBUY-TO-LET MORTGAGESBORROW WITH USABOUT USCAREERS Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
HABITO ONE: A FUTURE-PROOF, FLEXIBLE MORTGAGE Rates start at 2.99% and go up to 5.56%. Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
BUY-TO-LET MORTGAGE CALCULATOR This calculator assumes that: - You have £25,000+ income a year - You're not a first time buyer - You have a deposit of at least 20%. Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value.CAREERS | HABITO
Help us set people free from the hell of mortgages. See our jobs. Mortgages are broken. For too long, they’ve disempowered, confused and excluded people. And in the UK, those who do have a mortgage pay 15.5 billion too much a year. We’re here to fix mortgages and rebuild home financing from the ground up. To put the customer firmlyback
GET A MORTGAGE IN PRINCIPLE ONLINE, FREE! A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it. An MIP adds more credibility to any offers you make, too. That’s because it reassures sellers WHAT FEES DO I PAY ON A MORTGAGE? Booking fees. Typically £100–£250, though some lenders don’t charge one, or incorporate it into the arrangement fee. Typically, you pay this to the lender when you submit your mortgage application to secure the rate you want. It’s non-refundable so if you don’t go STAMP DUTY ON A £300,000 HOME (UPDATED 2021) After this date, from 1 July to 30 September, there’ll be no stamp duty on properties worth up to £250,000. If you’re buying from 1 October onwards, full stamp duty rates will be reinstated (which apply on all homes over £125,000). However, first time buyers will still only be required to pay the tax on homes over £300,000. COMPARE £50,000 MORTGAGE RATES & REPAYMENTS Let’s say you’re buying a £200,000 house with a £20,000 deposit. That makes your mortgage £180,000. Your LTV is £180k as a percentage of £220k = 90%. Usually, the lower your LTV, the lower interest rates you can get. That’s because lenders calculate LTV in bands: 60%, 70%, 75%, 80%, 85%, 90% and 95%. When you hit a new band, that HABITO: MORTGAGES MADE EASIERREFER A FRIENDPRESSBUY-TO-LET MORTGAGESBORROW WITH USABOUT USCAREERS Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
HABITO ONE: A FUTURE-PROOF, FLEXIBLE MORTGAGE Rates start at 2.99% and go up to 5.56%. Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
BUY-TO-LET MORTGAGE CALCULATOR This calculator assumes that: - You have £25,000+ income a year - You're not a first time buyer - You have a deposit of at least 20%. Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value.CAREERS | HABITO
Help us set people free from the hell of mortgages. See our jobs. Mortgages are broken. For too long, they’ve disempowered, confused and excluded people. And in the UK, those who do have a mortgage pay 15.5 billion too much a year. We’re here to fix mortgages and rebuild home financing from the ground up. To put the customer firmlyback
GET A MORTGAGE IN PRINCIPLE ONLINE, FREE! A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it. An MIP adds more credibility to any offers you make, too. That’s because it reassures sellers WHAT FEES DO I PAY ON A MORTGAGE? Booking fees. Typically £100–£250, though some lenders don’t charge one, or incorporate it into the arrangement fee. Typically, you pay this to the lender when you submit your mortgage application to secure the rate you want. It’s non-refundable so if you don’t go STAMP DUTY ON A £300,000 HOME (UPDATED 2021) After this date, from 1 July to 30 September, there’ll be no stamp duty on properties worth up to £250,000. If you’re buying from 1 October onwards, full stamp duty rates will be reinstated (which apply on all homes over £125,000). However, first time buyers will still only be required to pay the tax on homes over £300,000. COMPARE £50,000 MORTGAGE RATES & REPAYMENTS Let’s say you’re buying a £200,000 house with a £20,000 deposit. That makes your mortgage £180,000. Your LTV is £180k as a percentage of £220k = 90%. Usually, the lower your LTV, the lower interest rates you can get. That’s because lenders calculate LTV in bands: 60%, 70%, 75%, 80%, 85%, 90% and 95%. When you hit a new band, that COMPARE MORTGAGES: THE BEST MORTGAGE RATES & DEALS Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost.ABOUT US | HABITO
With Habito, you’ll have people by your side the whole way. They’ll take the stress off your shoulders and give you hours of your life back. Our team of amazing brokers will find you the best mortgage, and with our complete home-buying service, you’ll have the support of our surveyor and conveyancer partners too. HABITO ONE: MOST ASKED QUESTIONS, ANSWERED. Habito One interest rates start at 2.99% and go up to 5.62%.Your rate will depend on two things: your loan to value (LTV) and the length of your mortgage term. LTV is the size of your mortgage as a percent of the property value. So if you’re buying with a 10% deposit, that’sa 90% LTV.
YOUR COMPLETE HOME-BUYING SERVICE Buying a property and selling your current property. Habito Plus is our complete service for every aspect of home-buying. We take the hassle of buying off your shoulders. We help you sort the property survey, the mortgage, the legal work – everything you need. There's never been an easier way to buy.CAREERS | HABITO
Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
FIRST TIME BUYER MORTGAGES: ADVICE & RATES First, save for your deposit You’ll need to make an upfront payment on the place you want to buy – usually at least 5% of the property’s total value, ideally 10% and up. (Although right now in the UK, there a lot fewer options at lower deposit percents.) A mortgage calculator can help you check what you can afford. Get a mortgage in principle to show to estate agents An HOW TO REMORTGAGE: A QUICK & SIMPLE GUIDE Knowing how to remortgage can make the entire process feel a lot less daunting, especially if it’s your first time. Here, we’ll dive into the whats, whys, whens, and hows of switching to a new mortgagedeal.
HOW LONG DOES A MORTGAGE APPLICATION TAKE? Once you’ve applied (4–6 weeks) After you submit your application, your lender does a credit check on you, and also does what’s called an ‘affordability assessment’, to make sure you can actually afford the mortgage you’ve applied for. They’ll also carry out a valuation survey on the property to make sure it’s worth what you UK REMORTGAGE CALCULATOR Hell or Habito: Find out how much you can borrow with our remortgage calculator that scans over 20,000 mortgages from 90+ lenders to find real products you could be eligible for. Calculate your remortgage savings or borrowing options. WHAT’S AN EARLY REPAYMENT CHARGE? A mortgage early repayment charge (ERC) is a fee you pay your lender if you: leave your mortgage before your initial period ends (even if you stay with the same lender) It’s usually a percentage of the mortgage you have left to pay and could be up to 5% of the mortgage you have left to pay. Example: Let’s say you had a £250,000mortgage
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THE BEST MORTGAGE FOR YOU We search and compare mortgages across the whole market to find you the best mortgage based on your circumstances, guaranteedSEE HOW IT WORKS
I want to buy a home I want to remortgage -------------------------WHY WE’RE BETTER
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* All online, whenever suits you * Completely jargon-freeTRADITIONAL BROKER
* Typically costs £500 * Wait for an appointment * In person, during the work day * Confusing language ------------------------- SEE WHAT PEOPLE ARE SAYING*
RJ
MORTGAGE HEAVEN!
My husband and I recently purchased our first property together and we used Habito due to the ease of being able to do everything online. We had some reservations about how it might work but it was very simple to follow the process. And it’s free which is even better. I mean great service, a competitive mortgage product and all for nothing. With Habito, you really can have your cake and eat it!*
HONG LI
IT IS AN AMAZING EXPERIENCE! I was doing searching at 8.30pm and filled the information on questionnaire on Habito website. It shows on the website the service hours are 9am - 9pm. So I didn't expect that I could be connected at 8:55pm. However, someone appeared in 2 minutes and started to chatting with me with very professional and speedy information. Less than half an hour, I was given a recommendat… Read more*
ROBIN
EXCELLENT FEE-FREE SERVICE FROM START TO END! The friendly, professional advisers provided impartial and jargon free advice throughout. And were quick to respond to all questions and available out of hours at times to suit me. The portal and live chat service are easy to use and keep you informed of progress throughout. Would recommend Habito over the traditional estate agent service anyday.
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------------------------- MORTGAGE ADVICE YOU CAN TRUST We get it. As a free online mortgage broker we need to work extra hard to earn your trust. So here's a bit more about us. We’re fully regulated by the Financial Conduct Authority, the UK’s independent financial regulatory body, and all of our mortgage experts are super-qualified, experienced and friendly. Really though, all that goes without saying. We’ve built technology that can scan over 90 lenders and 20,000 mortgages to ensure you’re always on the best deal. And what’s more, we'll even advise you to go direct to the lender if that turns out to be your best option. Also, like all brokers, we get paid by lenders, but unlike many brokers we won’t charge you a penny. We’re totally free, forever. MORTGAGES MADE EASIER -------------------------ABOUT HABITO
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Hey Habito Ltd.
The Loom, 14 Gower's WalkLondon E1 8PY
hey@habito.com
Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register(714187).
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