{"id":47407,"date":"2017-05-22T00:47:05","date_gmt":"2017-05-21T23:47:05","guid":{"rendered":"http:\/\/staging.startups.co.uk\/startups-100\/?p=47407"},"modified":"2021-05-18T14:26:50","modified_gmt":"2021-05-18T13:26:50","slug":"46-habito","status":"publish","type":"post","link":"https:\/\/staging.startups.co.uk\/startups-100\/2017\/46-habito\/","title":{"rendered":"46. habito"},"content":{"rendered":"

Founder:<\/strong> Daniel Hegarty
\nFounded:<\/strong> January 2015 (Launched April 2016)
\nWebsite:<\/strong> www.habito.com<\/a><\/p>\n

The continued rise of machine learning and artificial intelligence (AI) has opened the doors for innovation across a whole range of industries – and proptech is no different.<\/p>\n

With the likes of Property Partner<\/a>, Settled<\/a> and Purplebricks<\/a> all gracing our Startups 100 profile pages in recent years, 2017 bears witness to habito’s first appearance in the list.<\/p>\n

Targeted at helping Brits find a mortgage that’s best for them, habito believes the mortgage application process should be entirely automated – from sourcing to AIPs, all the way to completion.<\/p>\n

Using a chatbot called the “Digital Mortgage Adviser”, the start-ups’ AI tech analyses all aspects of a user’s financial life (employment, attitude to risk, and personal life plans) and is then able to assess what type of mortgage would be the right fit for them.<\/p>\n

Asking users only relevant questions, the algorithm also uses real-time market rates to calculate a likely monthly payment amount, based on a user’s circumstances and preferences.<\/p>\n

Available 24\/7 and free to users – it takes a payment from lenders for each mortgage processed – the app seeks to provide an alternative to what Hegarty refers to as a “drawn-out and anxious mortgage approval process”.<\/p>\n

Operating in a £95bn industry, it’s hardly surprising that habito has grown 30% month-on-month since launch, completing over £70m worth of applications to date.<\/p>\n

Applying the latest in tech to a previously undisturbed industry, and having assisted more than 25,000 people in their search for a mortgage, you can expect to hear a lot more about habito over the next 12 months.<\/p>\n\n","protected":false},"excerpt":{"rendered":"

Founder: Daniel Hegarty Founded: January 2015 (Launched April 2016) Website: www.habito.com The continued rise of machine learning and artificial intelligence (AI) has opened the doors for innovation across a whole range of industries – and proptech is no different. 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