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Habito vs Trussle 2026: Best Free Mortgage Broker? — Expert Review & Analysis Report 2026

Published: Mar 2026
Report ID: 173984
Sections: 12
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Format: Expert Review

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Sarah Thompson

Sarah Thompson

Verified Expert

Lead Market Analyst

Chartered financial analyst specialising in UK financial markets and fintech platforms with over 12 years of industry experience.

CFACISI

Last Fact-Checked

All data points verified against primary sources

June 1, 2026

Editorial Transparency

Published: January 22, 2026
Last updated: March 2, 2026
Reviewed by: Sarah Thompson
Fact-checked: Jun 1, 2026

What changed since last update:

  • Pricing and fee information verified against provider website
  • Feature availability and regulatory status re-confirmed
  • Competitor comparison data refreshed

Frequently Asked Questions

For most UK homeowners, yes. Habito has a better technology platform, higher customer ratings (4.6 vs 4.5 on Trustpilot), longer adviser availability hours including weekends, and faster processing times averaging 18 vs 22 working days. The one area where Trussle is superior is automatic remortgage monitoring through their Trussle Switch feature.
Yes, both charge zero in broker fees. They earn lender commissions, which do not affect the rate you receive. There are no hidden charges with either service. Trussle previously offered a premium tier at £299/month but discontinued it in 2025.
Both are whole-of-market brokers with access to 90+ lenders, and the overlap is substantial. There may be minor differences in lender panels, but both cover all major UK lenders and most specialist ones. Neither broker is tied to a specific lender panel.
Both earn commissions from mortgage lenders when a customer successfully takes out a mortgage. These commissions are standard in the industry and lenders pay them regardless of whether you use a broker or apply directly. The rate you receive is unaffected by broker commissions.
Yes, and we recommend it. Since both brokers are free and there is no obligation to proceed, you can submit enquiries with both and compare the rates and service quality. Only proceed with a formal application through one broker, as multiple formal applications create multiple hard credit checks.
Habito has a slight edge for first-time buyers due to its more intuitive technology platform and detailed explanations during the process. Both brokers welcome first-time buyers and offer guided processes, but Habito's interface is particularly well suited for those new to mortgages.
You can switch at any time before submitting a formal mortgage application. Simply tell your current broker you wish to pause, and start afresh with the other. There is no penalty for switching between brokers at any stage of the initial enquiry process.
Trussle Switch is genuinely useful for homeowners who forget to remortgage when their fixed rate ends. It monitors the market and alerts you when better deals appear. Since the average homeowner who lapses onto their lender's SVR pays hundreds more per month, this feature can save significant money over time.

Research Methodology & Disclosure

Last fact-check: Jun 1, 2026

Data points reviewed: 0 consumer records, lender pricing pages, and public regulator guidance.

Primary sources: FCA, Bank of England, FSCS, FOS, and provider disclosures.

We may earn a commission from partner links, but rankings and recommendations are set by editorial criteria.

Our MethodologyReview PolicyEditorial PolicyCorrections Policy

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4.6/5
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4.6/5
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