Online mortgage broker Habits has unveiled a range mortgages for individual landlords.

The offering includes high loan to value (LTV) and long-term fixed deals.

Habito claims to have developed unique proprietary technology to provide the fastest mortgage process in the country. Decisions in Principle (DIPs) have been replaced with Habito Instant Decision which involve deeper checks at the outset, guaranteeing greater certainty and speed, it said.

The range includes a number of seven-year fixed deals and 10-year fixed deals, with rates from 2.59%.

The range of 10 year fixed deals starts with a rate of 3.51%, while seven-year deals start from 3.31%. An introductory offer of 2.5% cashback is available to the first 15 customers.

Daniel Hegarty, founder and CEO of Habito, said: “Habito exists to connect customers with the best possible mortgage products. For the past three years, we’ve invested heavily in our best-in-class brokerage to dramatically improve and evolve the process of getting a mortgage. Now we’re rolling up our sleeves to tackle the mortgages themselves. By applying our tech-first, people-centric principles, we’ve created a suite of mortgage products that speaks to one of the most under-served groups of borrowers: landlords.”

“We exist to free people from the hell of getting a mortgage. For buy-to-let landlords, hell means long waits, inflexible eligibility criteria and application decision uncertainty. We’re proud to bring to market a range of products that have been built with landlords in mind: long-term fixed rates, competitive pricing, low deposits and sympathetic to self-employed and older customers. We guarantee certainty and speed to offer. It’s the next generation of mortgages.”