Monzo’s Mortgage Mega Move—Grabs Habito in Epic Banking Bash!

Hold onto your wallets, fintech fans! Monzo, the UK’s hottest digital bank, just dropped a bombshell. It snapped up Habito, the slick digital mortgage broker, in its first-ever buyout. Picture this: buying your dream home from your phone, no paperwork drama. 

The deal hit headlines on December 15, 2025. Monzo serves over 14 million personal customers and 800,000 businesses. That’s a massive crowd ready for mortgage magic. Habito, London-based with about 100 staff, joins the party for an undisclosed price. 

Completion? Spring 2026, if regulators greenlight it. Monzo already lets 450,000 users track mortgages via its Homeownership feature. Now, it aims to be the first  UK bank end-to-end digital broking in an app. No more broker hunts or endless forms. 

Kunal Malani, Monzo’s chief Banking Officer, lit up LinkedIn. “Buying a home should be exciting, not overwhelming,” he posted. “Together, Monzo and Habito will make it easier to find, compare, and secure the right mortgage, all from the Monzo app.” Pure thrill!

Habito’s CEO, Ying Tan, is staying on board. “I’m incredibly proud of what our team has built,” he shared. “Together, we’ll transform what the mortgage experience feels like—effortless, empowering, and truly built around people.” Leadership vibes on point. 

This blockbuster comes amid Monzo’s glow-up. Revenues soared 48% to 1.2 billion dollars in FY2025. Profit before tax? 113.9 million euros. Plus, a full European banking license from Ireland’s Central Bank and ECB. EU HQ in Dublin, led by Micjeal Carney. 

Monzo, born in 2015, ditched the old-school bank blues. It offers savings, investments and budgeting tools—all mobile-first. Mortgages were the missing piece in life’s big puzzle. Now, Habito plugs it perfectly. 

Why the hype? UK stats show 87% of mortgage hunters used brokers in 2024. Pain points? Opaque pricing, fragmented apps, paperwork hell—Monzo zaps that. One app rules homeownership—from tracking balances to switching deals. 

Drama alert: CEO TS Anil steps down in February 2026 after five years. Diana Layfield, ex-Google and Standard Chartered star, takes the throne. Perfect timing for this acquisition splash. 

Rivals like Revolut chase travel and crypto. Monzo bets big on deep finance, starting with housing. Habito accelerates the dream: advice, comparisons, and overpayments are all seamless. 

Fans are buzzing. “First major M&A in Monzo’s history,” cheered LinkedIn pro Marcel van Oost. “Mortgages move from feature to core product.” Super-app showdown incoming!

Slaughter and May advised Monzo legally. The vibe? Monzo simplicity hits life’s biggest buy. No more stress sweats over home loans. 

This isn’t business—it’s a revolution. Monzo eyes a single platform for all money moves. From daily expenses to forever homes. Get ready, UK dreamers. The mortgage movie just got its blockbuster twist.