Habito

Habito is a UK-based digital mortgage broker that lets people research, compare, and apply for mortgages online across the whole of the market, pairing self-serve digital tools with human mortgage experts, alongside related home-buying services. Founded as a fintech in the consumer lending and real-estate space and backed by Ribbit Capital, Habito has since joined Monzo. The company operates a consumer web product (Webflow-hosted marketing site) and does not publish a public developer API program, developer portal, or OpenAPI at the time of this profile; this record is maintained by the API Evangelist network and reflects only publicly verifiable surfaces.

Habito is profiled on the APIs.io network. Tagged areas include Company, Fintech, Mortgages, Lending, and Financial-Services.

Habito’s developer surface includes engineering blog and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.7/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Mortgages Lending Financial-Services Real-Estate Home Buying United Kingdom

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 9.7/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.5 / 20

Access Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Habito Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: habito
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/habito.png
name: Habito
description: Habito is a UK-based digital mortgage broker that lets people research, compare, and apply for mortgages online
  across the whole of the market, pairing self-serve digital tools with human mortgage experts, alongside related home-buying
  services. Founded as a fintech in the consumer lending and real-estate space and backed by Ribbit Capital, Habito has since
  joined Monzo. The company operates a consumer web product (Webflow-hosted marketing site) and does not publish a public
  developer API program, developer portal, or OpenAPI at the time of this profile; this record is maintained by the API Evangelist
  network and reflects only publicly verifiable surfaces.
url: https://raw.githubusercontent.com/api-evangelist/habito/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Mortgages
- Lending
- Financial-Services
- Real-Estate
- Home Buying
- United Kingdom
tags_raw:
- Company
- Fintech
- Mortgages
- Lending
- Financial Services
- Real Estate
- Home Buying
- United Kingdom
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/habito-domain-security.yml
- type: Website
  url: https://www.habito.com
- type: Blog
  url: https://www.habito.com/blog
- type: TermsOfService
  url: https://www.habito.com/terms
- type: PrivacyPolicy
  url: https://www.habito.com/privacy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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