The online mortgage company


Company mission

Habito use a unique combination of cutting edge technology and industry-leading mortgage experts to get you the best mortgage possible. Habito's mission is to fundamentally change the entire mortgage broking industry by making it clear, simple and jargon-free.



HQ Location

Whitechapel, London, UK


Some candidates hear
back within 2 weeks

40% female employees

7% employee growth in 12 months

Otta's take on Habito

Theo Margolius headshot

Theo Margolius

COO of Otta

Access to mortgages was historically controlled by mortgage brokers who acted as gatekeepers to the market. 10 years ago the mortgage process involved meeting someone in an office somewhere to discuss your options; not exactly 21st Century.

This is changing with the rise of online brokers, who are bringing innovation to this previously undisrupted market. It's a big market, with £240bn of mortgage loans originated each year, so there’s plenty of money to be made for Habito.

In 2019, they started direct lending from their own range of mortgages, which are being funded by a £500m commitment from a large financial institution. Habito are hoping that other lenders will want to use their technology to launch their own digital lending products. They believe using smart technology enables them to provide a better customer experience and faster loan decisions, which will give them a long-term edge over traditional banks.

For now, they’re innovating by offering lending products targeted at underserved groups, e.g. mortgages suitable for self-employed people who don’t have a traditional financial footprint. Another opportunity the startup is eyeing up are mortgages with a much longer fixed term, which are more common in other countries, but in the U.K. are typically restricted to 2-5 years.

Habito ran a bold advertising campaign titled ‘Hell or Habito’ starting in late 2018, which they’ve built on in 2019. This has been successful in driving awareness of the brand and helping fuel their growth.

Total funding - $88.9m

Last 2 fundraises

Aug 2020



Sep 2022



This company has top investors

Company benefits

  • Enhanced maternity and paternity leave
  • Cycle-to-work scheme
  • Competitive salary and share options
  • Flexible holiday
  • Free healthcare and life assurance
  • Career development, coaching and training
  • Contributory pension scheme
  • 25 days holiday (excl. bank holidays)
  • Work from home opportunities
  • Health insurance

Company values

  • Empathise First - Action follows understanding. We take every opportunity to explore the perspectives of others and use this to drive our decision making
  • Build better things - We prize creativity and ingenuity above all things, and we are attracted to the most meaningful problems
  • Be 100% responsible - We don’t see the limits of our walls as the limit of our responsibilities. We revel in our obligations to each other and the wider world
  • Have backbone - Fearless in everything; from speaking up, to backing down, to upending a whole market.


Held senior roles at Wonga including Head of Strategy.

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