Habito offers a comprehensive coverage of the BTL market, including limited company BTL and portfolio landlords, and longer duration (up to 10 years). We are committed to give brokers and customers the best experience available in the BTL market through proprietary technology.

Our key criteria:

  1. Instant Decision - check all our credit policy along with a soft credit search to give you the most confident pre approval in the mortgage market
  2. Stress at 5.5% for terms less than 5 years and pay rate for terms greater than 5 years. All limited company stressed at 125%
  3. Limited company applications accepted and treated like standard (individual) cases to simplify the process.
  4. Dynamic documentation - our system works out which docs the underwriter is going to need so we will rarely ask for more
  5. Max age of 85 at end of term
  6. No minimum income <75% LTV
  7. First time landlords accepted

Our service is key, and we are committed to one of the team getting back to queries within 4 hours during usual business times.

*Products from Habito can be accessed by using Dynamo for Intermediaries as your payment route. All members will be automatically registered with Habito and will receive an email containing a 'token' from the lender which will allow access to the on line system. 

Proc Fees

Product Type Gross % Net %
Buy to Let 0.50% 0.45%
Buy to Let - with effect 9.11.2020 0.70% 0.65%