{"id":52591,"date":"2018-11-22T00:08:07","date_gmt":"2018-11-22T00:08:07","guid":{"rendered":"https:\/\/startups.co.uk\/startups-awards\/?p=52591"},"modified":"2018-11-23T17:04:38","modified_gmt":"2018-11-23T17:04:38","slug":"innovative-business-of-the-year-2018","status":"publish","type":"post","link":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/","title":{"rendered":"Innovative Business of the Year 2018"},"content":{"rendered":"

Start-up name:<\/strong> Habito<\/a>
\nFounder:<\/strong> Daniel Hegarty
\nStarted in:<\/strong> 2016
\nBased in:<\/strong> London
\nBusiness description:<\/strong> A free online mortgage broker<\/p>\n

Founded on the belief that the mortgage process should be simpler and fairer and mortgage advice should be free and unbiased, Habito is an online platform that vows to make mortgage brokering better – by making it digital.<\/p>\n

By accessing over 20,000 mortgage products (from more than 70 lenders) in real-time, Habito can recommend “the best possible” deal for each customer. Importantly, Habito is free to use, and its algorithm has no bias towards particular lenders or borrowers – unlike human brokers.<\/p>\n

A true innovator in the mortgage sector, Habito is also pioneering the world’s first digital mortgage adviser: the DMA.<\/p>\n

An artificially intelligent chatbot, the DMA asks customers about their finances and life plans. It then uses market rates to calculate the mortgage payments each customer should expect, and explains how their decisions will impact this.<\/p>\n

So, with AI covering the paperwork, admin and product research, Habito’s human brokers have more time to add real value by supporting customers and resolving complex cases.<\/p>\n

Another first for the sector, in August 2018 Habito launched its first add-on product – life insurance. After just nine fast and non-intrusive questions, homebuyers are given 90 days of the insurance for free – after which they can simply opt in or out online.<\/p>\n

In two and a half years, Habito has grown from five to 106 employees, and completed £1bn in mortgage applications. And with a five-star Trustpilot rating, it seems the fintech start-up is certainly achieving what it set out to.<\/p>\n

Our judges were impressed by a number of disruptive pioneers in this category. Retail finance platform Divido<\/a> was awarded the Highly Commended trophy, while Diffblue<\/a>, a creator of AI for code, took home the Commended title.<\/p>\n\n","protected":false},"excerpt":{"rendered":"

Start-up name: Habito Founder: Daniel Hegarty Started in: 2016 Based in: London Business description: A free online mortgage broker Founded on the belief that the mortgage process should be simpler and fairer and mortgage advice should be free and unbiased, Habito is an online platform that vows to make mortgage brokering better – by making […]<\/p>\n","protected":false},"author":85235,"featured_media":52620,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[222],"tags":[],"class_list":["post-52591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-winners-2018"],"acf":[],"yoast_head":"\nInnovative Business of the Year 2018 -Startups Awards winner<\/title>\n<meta name=\"description\" content=\"Which disruptive start-up business took home the Innovative Business of the Year Award at the Startups Awards 2018? Find out here...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Innovative Business of the Year 2018 -Startups Awards winner\" \/>\n<meta property=\"og:description\" content=\"Which disruptive start-up business took home the Innovative Business of the Year Award at the Startups Awards 2018? Find out here...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\" \/>\n<meta property=\"og:site_name\" content=\"Startups Awards by Startups.co.uk: Start up a successful business\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-22T00:08:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-11-23T17:04:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"390\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Julia Watts\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julia Watts\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\"},\"author\":{\"name\":\"Julia Watts\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/#\/schema\/person\/b7546f868f18346f2bf06c3e3c20e865\"},\"headline\":\"Innovative Business of the Year 2018\",\"datePublished\":\"2018-11-22T00:08:07+00:00\",\"dateModified\":\"2018-11-23T17:04:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\"},\"wordCount\":304,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg\",\"articleSection\":[\"Winners 2018\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#respond\"]}],\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/startups.co.uk\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\",\"url\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\",\"name\":\"Innovative Business of the Year 2018 -Startups Awards winner\",\"isPartOf\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg\",\"datePublished\":\"2018-11-22T00:08:07+00:00\",\"dateModified\":\"2018-11-23T17:04:38+00:00\",\"author\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/#\/schema\/person\/b7546f868f18346f2bf06c3e3c20e865\"},\"description\":\"Which disruptive start-up business took home the Innovative Business of the Year Award at the Startups Awards 2018? Find out here...\",\"breadcrumb\":{\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage\",\"url\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg\",\"contentUrl\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg\",\"width\":640,\"height\":390},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/startups.co.uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Startups Awards\",\"item\":\"https:\/\/startups.co.uk\/startups-awards\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Startups Awards Winners\",\"item\":\"https:\/\/startups.co.uk\/startups-awards\/winners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Winners 2018\",\"item\":\"https:\/\/startups.co.uk\/startups-awards\/winners\/winners-2018\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Innovative Business of the Year 2018\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/#website\",\"url\":\"https:\/\/startups.co.uk\/startups-awards\/\",\"name\":\"Startups Awards by Startups.co.uk: Start up a successful business\",\"description\":\"The UK's No.1 service for starting a business\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/startups.co.uk\/startups-awards\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/startups.co.uk\/startups-awards\/#\/schema\/person\/b7546f868f18346f2bf06c3e3c20e865\",\"name\":\"Julia Watts\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/77b41b389c092efcaa103d18c5eb3e24cf87799cb663fcf43877a5de1088474a?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/77b41b389c092efcaa103d18c5eb3e24cf87799cb663fcf43877a5de1088474a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/77b41b389c092efcaa103d18c5eb3e24cf87799cb663fcf43877a5de1088474a?s=96&d=mm&r=g\",\"caption\":\"Julia Watts\"},\"description\":\"As Startups\u2019 Content Manager, Julia ensures our articles are helpful, accurate, and accessible. With over eight years\u2019 experience in producing content for small businesses, Julia has deep expertise in topics from startup finance options to digital marketing. An area of specialism is testing and reviewing businesses products, including card machines, point of sale systems, accounting software, and website builders. Having started her career at a bustling publishing startup\u2014where her love for the exciting world of entrepreneurship began\u2014Julia has written for the International Business Times, ValueWalk, EUbusiness, Green Prophet, and more, and her work has been cited by sites including the BBC and BBC News.\"}]}<\/script>\n","yoast_head_json":{"title":"Innovative Business of the Year 2018 -Startups Awards winner","description":"Which disruptive start-up business took home the Innovative Business of the Year Award at the Startups Awards 2018? Find out here...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/","og_locale":"en_US","og_type":"article","og_title":"Innovative Business of the Year 2018 -Startups Awards winner","og_description":"Which disruptive start-up business took home the Innovative Business of the Year Award at the Startups Awards 2018? Find out here...","og_url":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/","og_site_name":"Startups Awards by Startups.co.uk: Start up a successful business","article_published_time":"2018-11-22T00:08:07+00:00","article_modified_time":"2018-11-23T17:04:38+00:00","og_image":[{"width":640,"height":390,"url":"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg","type":"image\/jpeg"}],"author":"Julia Watts","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Julia Watts","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#article","isPartOf":{"@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/"},"author":{"name":"Julia Watts","@id":"https:\/\/startups.co.uk\/startups-awards\/#\/schema\/person\/b7546f868f18346f2bf06c3e3c20e865"},"headline":"Innovative Business of the Year 2018","datePublished":"2018-11-22T00:08:07+00:00","dateModified":"2018-11-23T17:04:38+00:00","mainEntityOfPage":{"@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/"},"wordCount":304,"commentCount":0,"image":{"@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage"},"thumbnailUrl":"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg","articleSection":["Winners 2018"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#respond"]}],"copyrightYear":"2018","copyrightHolder":{"@id":"https:\/\/startups.co.uk\/#organization"}},{"@type":"WebPage","@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/","url":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/","name":"Innovative Business of the Year 2018 -Startups Awards winner","isPartOf":{"@id":"https:\/\/startups.co.uk\/startups-awards\/#website"},"primaryImageOfPage":{"@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage"},"image":{"@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage"},"thumbnailUrl":"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg","datePublished":"2018-11-22T00:08:07+00:00","dateModified":"2018-11-23T17:04:38+00:00","author":{"@id":"https:\/\/startups.co.uk\/startups-awards\/#\/schema\/person\/b7546f868f18346f2bf06c3e3c20e865"},"description":"Which disruptive start-up business took home the Innovative Business of the Year Award at the Startups Awards 2018? Find out here...","breadcrumb":{"@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#primaryimage","url":"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg","contentUrl":"https:\/\/images.startups.co.uk\/wp-content\/uploads\/sites\/2\/2018\/11\/23170428\/Webp.net-compress-image-83.jpg","width":640,"height":390},{"@type":"BreadcrumbList","@id":"https:\/\/startups.co.uk\/startups-awards\/innovative-business-of-the-year-2018\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/startups.co.uk\/"},{"@type":"ListItem","position":2,"name":"Startups Awards","item":"https:\/\/startups.co.uk\/startups-awards\/"},{"@type":"ListItem","position":3,"name":"Startups Awards Winners","item":"https:\/\/startups.co.uk\/startups-awards\/winners\/"},{"@type":"ListItem","position":4,"name":"Winners 2018","item":"https:\/\/startups.co.uk\/startups-awards\/winners\/winners-2018\/"},{"@type":"ListItem","position":5,"name":"Innovative Business of the Year 2018"}]},{"@type":"WebSite","@id":"https:\/\/startups.co.uk\/startups-awards\/#website","url":"https:\/\/startups.co.uk\/startups-awards\/","name":"Startups Awards by Startups.co.uk: Start up a successful business","description":"The UK's No.1 service for starting a business","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/startups.co.uk\/startups-awards\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/startups.co.uk\/startups-awards\/#\/schema\/person\/b7546f868f18346f2bf06c3e3c20e865","name":"Julia Watts","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/77b41b389c092efcaa103d18c5eb3e24cf87799cb663fcf43877a5de1088474a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/77b41b389c092efcaa103d18c5eb3e24cf87799cb663fcf43877a5de1088474a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/77b41b389c092efcaa103d18c5eb3e24cf87799cb663fcf43877a5de1088474a?s=96&d=mm&r=g","caption":"Julia Watts"},"description":"As Startups\u2019 Content Manager, Julia ensures our articles are helpful, accurate, and accessible. With over eight years\u2019 experience in producing content for small businesses, Julia has deep expertise in topics from startup finance options to digital marketing. An area of specialism is testing and reviewing businesses products, including card machines, point of sale systems, accounting software, and website builders. Having started her career at a bustling publishing startup\u2014where her love for the exciting world of entrepreneurship began\u2014Julia has written for the International Business Times, ValueWalk, EUbusiness, Green Prophet, and more, and her work has been cited by sites including the BBC and BBC News."}]}},"_links":{"self":[{"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/posts\/52591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/users\/85235"}],"replies":[{"embeddable":true,"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/comments?post=52591"}],"version-history":[{"count":0,"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/posts\/52591\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/media\/52620"}],"wp:attachment":[{"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/media?parent=52591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/categories?post=52591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/startups.co.uk\/startups-awards\/wp-json\/wp\/v2\/tags?post=52591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}