Habito

Habito refers primarily to a British fintech company that provides online mortgage brokerage services. It was founded in 2017 by Daniel Hegarty with the aim of making mortgage advice more accessible through a digital platform. The service combines automated data collection, affordability checks, and access to a panel of lenders to offer borrowers a mortgage recommendation and a guided application process. As a credit intermediary, Habito connects clients with mortgage lenders and can arrange the submission of applications, document collection, and status tracking, while complying with relevant financial regulations in the United Kingdom. The platform is designed for consumer use without the need for in-person meetings and emphasizes speed and clarity in presenting mortgage options. Habito has positioned itself as part of the broader trend toward digital disruptors in the distributed mortgage market, competing with traditional high-street brokers and bank channels. In addition to mortgages, the company has explored related financial services and partnerships to extend its advisory capabilities, though its core offering remains mortgage brokerage. The company operates under the regulatory framework of the UK Financial Conduct Authority and adheres to standards for transparency and data protection. The name Habito may also refer to other uses such as a habit-related concept in various languages or contexts, but in contemporary business references it most commonly denotes the UK fintech mortgage broker.