Cheap Landlord BTL Mortgages – Finding The Best Deals

A quick head’s up for anyone that’s in the market for a competitive BTL Mortgage or looking to remortgage onto the best possible product…

Habito has been my personal to-go for mortgages in recent years (nope, no bullshit).

Habito is a FREE online buy-to-let specialist mortgage broker, they search the whole market to get the best mortgage deals for landlords: 90+ lenders, 13,000+ BTL mortgages! I’ve used them twice now and have not been disappointed – here’s my full Habito review if you’re interested.

Find out how much you could save on your mortgage in just 15 minutes… get started!

Habito- Online Mortgage Broker

I first came across Habito earlier this year; they were getting a lot of media attention and praise, so it wasn’t long before I investigated the hype further…

The perks of Habito’s BTL mortgage brokerage service:

According to their sales spiel…

  • 100% free for borrowers. They get paid by the lenders, not their customers (borrowers).
  • They could save you £100s a month on mortgage payments. They’ll show you how much you could save on your monthly payments. Want to know if it’s better to stay with your current lender, or switch? They will check that for you.
  • Whole of market. They search every lender for buy-to-let – big, small, mainstream and buy-to-let specialist. That’s around 90 lenders and 13,500 mortgages, which includes everyone from Barclays to Landbay.
  • Your own expert broker. You’ll get your own personal broker to support you through your whole buy-to-let application. They’ll be there every step of the way.
  • Online. No need for meetings, appointments, long phone calls or paperwork. Welcome to the new digital world of mortgages!
  • Available 7 days a week. Their mortgage experts are online and ready to chat 7 days a week, 9am – 9pm every day (apart from Fridays when they finish at 5pm, and Sundays at 8pm).
  • Support for every kind of buy-to-let! They cover all types of buy-to-lets, including whole property lets, separate rooms, holiday lets, and portfolios of up to 4 properties.
  • Trusted! They’re regulated by the Financial Conduct Authority (FCA), and have a 4.8 / 5 TrustPilot rating from over 2000+ customers (at the time of writing this blog post).

If you’re interested (or want to find out more)…

Start your FREE BTL Mortgage Search with Habito

Find out if you can get a better mortgage deal with Habito!

Top tip: It’s always worthwhile getting a mortgage agreement in principle to help give you an idea of where you stand (i.e. how much you can borrow) and if there are better deals available for you.

After receiving an agreement in principle (which isn’t guaranteed and can still be refused by the lender), it’s then possible to apply for an official mortgage offer.

What many people don’t realise is that if you get a mortgage offer today, the lender must honour the offer until the offer expires (which is usually after 6 months), even if interest rates climb during that time. They will likely have grounds to cancel the offer if there are any material changes in your circumstances (e.g. change in income).

An agreement in principle is not binding and neither is an offer unless it’s accepted and signed for, so you can get them without any obligations and at no expense. This can be super helpful for various and obvious reasons.

To get a mortgage agreement in principle from Habito, you just need to answer a few questions about your income and deposit. There’s no credit check. And it’s freeee! Get started here.

Why I’ve switched to using online mortgage brokers (like Habito)!

Just like how I switched from using high-street letting agents to online letting agents several years ago, I’ve also more recently made a similar switch to exclusively using online mortgage brokers.


  • I find them more convenient and easier (and I’m the kind of person that prefers managing as many tasks as possible online)
  • I find them less irritable than traditional brokers and lenders
  • There’s no need for face-to-face meetings and long phone calls. It’s all managed by an efficient and seamless online experience. Lovely!

Online mortgage brokers like Habito should not be confused with comparison websites like – who simply link you off their affiliated lenders’ websites. Habito are actual brokers and assign each applicant with a case manager, to assist throughout the process. I’ve personally had brilliant experiences with their customer support. (formerly is another very popular and highly rated online broker. But I’ve never used them before, so can’t really comment on their service. I’ve only used Habito.

I appreciate the fact that a lot of folk are old-school, so they like the physical interaction of dealing with someone. Old-school habits die hard, I get it. No judgement from me.

I, on the other hand, am the type of person that orders bog-roll off Amazon because of the convenience factor, so using an online broker to access a few mortgage quotes is a no-brainer for me.

Something to bear in mind when dealing with any mortgage broker, whether it be a local high-street broker or an online one, is that they won’t have access to exactly the same products on the market; some brokers will have access to a larger/smaller pool of products than others. That’s why it’s better to use a broker with access to the largest pool of lenders, because that will likely result in getting the most competitive deals currently on the market.

Habito say they have access to 20,000+ live mortgage deals, which, from my experience, is more than any local broker I’ve ever encountered by a longshot.

One last important factor to bear in mind is that not all mortgage brokers are free. So before you decide to work with one, get clarity on their fees!

Get your FREE BTL Mortgage Offer

If anyone decides to get any quotes off them, please let me know the outcome, good, bad or ugly…

2 Join the Conversation...

Guest Avatar
NotSoNewbieLandlord 25th February, 2020 @ 21:37

Ok, so I searched your site to see if you have any broker recommendations because you have been a lifeline during this BTL journey. I have learnt so much from you and am eternally grateful. I will give Habito a try and report back (I'm not sure when you posted this recommendation as there's no date on the article).

The Landlord Avatar
The Landlord 25th February, 2020 @ 22:04

Many thanks for your kind words, appreciate it! Really pleased to hear that you have found this website/my ramblings useful.

I still highly recommend Habito, so please do let me know how you get on if you decide to get a quote from them.

I'm very active and conscious about the suppliers/services I recommend so I'm always keeping them updated i.e. if I didn't favour Habito anymore, I would either remove this blog post, or recommend another supplier (assuming I thought they were good!). That's why I don't put dates on the pages with offerings.

Thanks again, and best of luck!

















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