Habito
London, United Kingdom
June 2020
Mortgage advice & brokerage
Service with Minor Environmental Footprint
United Kingdom
Habito launched in April 2016 with a vision to digitise the aspects of home financing and buying which still remain a pain point for so many homeowners, buy-to-let investors and first time buyers across the UK. They have since grown to become the UK’s best-known digital mortgage broker, voted Best Mortgage Broker in the British Bank Awards 2020. So far, they’ve helped more than 320,000 people in the UK access free, whole-of-market mortgage advice and, as a lender, have brought to market highly innovative mortgage products designed and built around customers’ needs. They’re on a mission to make mortgages easier for anyone who wants to own a home in the UK. The tide is turning on traditional home financing and they’re here to usher in a new future that combines the very best of human expertise with the efficacy of technology to reduce cost, stress, time and friction for all involved, whilst positively impacting the world around us. They’re passionate about People and Planet, ensuring they are intrinsically woven into every decision they make and every product or process they design.
Overall B Impact Score
Governance 16.3
Governance evaluates a company's overall mission, engagement around its social/environmental impact, ethics, and transparency. This section also evaluates the ability of a company to protect their mission and formally consider stakeholders in decision making through their corporate structure (e.g. benefit corporation) or corporate governing documents.
What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.
Governance 16.3
Governance evaluates a company's overall mission, engagement around its social/environmental impact, ethics, and transparency. This section also evaluates the ability of a company to protect their mission and formally consider stakeholders in decision making through their corporate structure (e.g. benefit corporation) or corporate governing documents.
What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.
Workers 35.4
Workers evaluates a company’s contributions to its employees’ financial security, health & safety, wellness, career development, and engagement & satisfaction. In addition, this section recognizes business models designed to benefit workers, such as companies that are at least 40% owned by non-executive employees and those that have workforce development programs to support individuals with barriers to employment.
Community 17.8
Community evaluates a company’s engagement with and impact on the communities in which it operates, hires from, and sources from. Topics include diversity, equity & inclusion, economic impact, civic engagement, charitable giving, and supply chain management. In addition, this section recognizes business models that are designed to address specific community-oriented problems, such as poverty alleviation through fair trade sourcing or distribution via microenterprises, producer cooperative models, locally focused economic development, and formal charitable giving commitments.
Environment 8.9
Environment evaluates a company’s overall environmental management practices as well as its impact on the air, climate, water, land, and biodiversity. This includes the direct impact of a company’s operations and, when applicable its supply chain and distribution channels. This section also recognizes companies with environmentally innovative production processes and those that sell products or services that have a positive environmental impact. Some examples might include products and services that create renewable energy, reduce consumption or waste, conserve land or wildlife, provide less toxic alternatives to the market, or educate people about environmental problems.
Customers 4.5
Customers evaluates a company’s stewardship of its customers through the quality of its products and services, ethical marketing, data privacy and security, and feedback channels. In addition, this section recognizes products or services that are designed to address a particular social problem for or through its customers, such as health or educational products, arts & media products, serving underserved customers/clients, and services that improve the social impact of other businesses or organizations.