Habito One mortgages are now available through the Legal & General Mortgage Club and the Stonebridge network.

Available for purchase or remortgage in England or Wales at up to 90% LTV on fixed rate terms ranging from 10 years to 40 years, Habito One launched in March this year, with plans to increase the maximum LTV to 95% by the end of the year announced at the same time.

With no early repayment charges (ERCs), rates start at 2.99% at up to 60% LTV and, at up to 90% LTV, rates begin at 4.39%.

The lender has also introduced a range that does include ERCs, where for a 60% LTV product, rates start at 2.79% and at 90% LTV, 4.19%.

The product fee for all mortgages in these ranges is set at £1,995.

It has also brought out a new 85% LTV 10-year fix at 3.39%. This comes with £995 product fee and, for purchase use, charges a £350 valuation fee.

It says that more external broker partners “will be added over the coming months.”

Habito vice president of lending Alan Fitzpatrick says: “We’ve had an incredible response to Habito One from our customer base, with the product’s unrivalled certainty and protection appealing to a range of homeowners at different stages of life with varying circumstances.

“We’ve seen particular interest from traditionally underserved customers, for instance those who are self-employed, or nearing retirement.

“We’ve built brilliant relationships with our external broker partners through our buy-to-let lending products and are very excited to be able to offer Habito’s expanded and developed residential mortgage range to those partners, for the first time.”

And L&G Mortgage Club head of lender relationships Danny Belton comments: “Habito is at the cutting edge of product innovation, creating new types of mortgage deals that are rooted in customer-centricity.

“Its Habito One range, specifically, will help many to gain certainty over their monthly repayments, helping them budget effectively for the future. We look forward to bringing these products to our community of advisers”.