B Impact Report

Logo for Habito

Habito

The UK’s leading digital mortgage company
Certified Since: June, 2020
Location: London, London, United Kingdom
Sector: Service with Minor Environmental Footprint

Overall B Impact Scoreinfo_outline

83.0

The B Impact Scores are being compared against all businesses that have completed the B Impact Assessment

www.habito.com

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.

Impact Area Scoresinfo_outline

info_outlineOverall B Impact Score

To certify as a B Corp, a company must achieve a minimum verified score of 80 points on the B Impact Assessment. The B Impact Assessment asks questions about how the day-to-day operations of a company create positive impact for the company’s workers, community, and environment. Additionally, companies can earn further points if their overall business model can be shown to create positive social and environmental impact as well, qualifying the company for specific Impact Business Model points.

Scores for Certified B Corporations are verified by the non-profit B Lab.

info_outlineImpact Area Scores

The questions in the B Impact Assessment are organized into five Impact Areas: Governance, Workers, Community, Environment, and Customers. Click into a Impact Area to see topics covered in each. Topics in blue are Impact Business Models associated with that Impact Area where the company has earned additional credit. Due to rounding, displayed totals may not add up exactly.

The B Impact Assessment is customized to a company's size, sector, and geographic market.  However, within those parameters, there are still questions included in the B Impact Assessment that might not be relevant to a particular company. In cases where a question is not applicable, the potential points available for that question are instead earned based on the performance of the company on the other topics relevant to the stakeholder and summed up as "N/A points." Likewise, a score of N/A for Workers means that the company is a sole proprietor or partnership with no full-time staff, and a score of 0 or N/A for Customers means that the company does not have a specific Customer-focused Impact Business Model.

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info_outlineBest for the World Honoree

Each year, B Lab releases lists honoring the top-performing Certified B Corps in each Impact Area and overall, broken down by size, on the annual Best for the World lists.

info_outlineAdditional Documentation

B Lab may determine that a company should make additional material beyond their B Impact Report transparent in order for the public to be able to evaluate the company’s overall impact. This additional transparency may cover participation in a controversial industry, information shared on the company’s Disclosure Questionnaire, or simply a company’s relationship to a larger complex entity. Public companies and wholly-owned subsidiaries are required to make their full B Impact Assessments transparent to achieve B Corp Certification.