Product Transfer Cashback Terms & Conditions

1. The Product Transfer Cashback Campaign is a one off.
2. The amount of cashback will be £25 for mortgage values less than £250,000 and £50 for mortgage values of £250,000 and greater. Cashback payment will be paid by us to you following the completion of a product transfer (switching your deal through your existing lender), you may enter the Product Transfer Cashback Campaign if you are eligible.
3. By entering the Product Transfer Cashback Campaign, you agree to these T&Cs and you are responsible for making sure the details you provide to Habito are correct and up to date and provided promptly on request.

1. You will be eligible to enter the Habito Product Transfer Cashback Campaign if you:
   1. Complete on a product transfer through Habito;
   2. are resident in the UK and the property on which your product transfer is secured to is in the UK; and
   3. agree to these T&Cs.
   4. apply for a product transfer through Habito on or after 24 January 2023
2. You won’t be eligible for the Product Transfer Cashback Campaign if you:
   1. are an employee or contractor of Habito or if any other person named on your mortgage is an employee or consultant of Habito;
   2. are an employee or contractor of agents or suppliers of Habito who are professionally connected with the Habito Product Transfer Cashback Campaign or its administration;
   3. are found to have arrears on your mortgage account. For the purposes of these T&Cs, arrears means when a total sum of £1 or more of the monthly payment(s) due remains unpaid at the time of the product transfer; or
   4. are found or have been found guilty of fraud
3. If you become an employee of Habito after you have entered the Product Transfer Cashback Campaign, you will still be eligible to receive the cashback.
4. In entering the Habito Product Transfer Cashback Campaign, you confirm that you are eligible to do so and eligible to claim the cashback in accordance with these T&Cs. We may require you to provide proof that you are eligible to enter the Product Transfer Cashback Campaign.
5. We reserve all rights to disqualify you from the Product Transfer Cashback Campaign if your conduct is contrary to the spirit or intention of the Product Transfer Cashback Campaign.
6. We’re not responsible if we inadvertently pay cashback to someone who doesn’t qualify, but we’ll take reasonable steps to make sure this doesn't happen.
   1. Where we discover such an error has happened, the person inadvertently paid must repay the cashback to us and we reserve the right to demand repayment of the cashback from the person inadvertently paid.
   2. Once we have received the cashback from the person inadvertently paid, we will subsequently pay the cashback to the next eligible person.

1. The cashback will be paid into your nominated account within 90 days from the day of completion of your product transfer through us.
2. If you hold more than one mortgage, you may enter the Product Transfer Cashback Campaign in relation to all mortgages held in your name and will be eligible for receipt of the cashback in the event you are eligible and comply with these T&Cs in all events.

1. The mortgage must be held in your name or by you and your joint mortgage holder.
2. Your cashback will be sent via Wise and paid directly into a bank account nominated by you and held in your name. It is your responsibility to provide Wise with any necessary information, including your nominated bank account, to action the transfer of the commission payment.

1. The Product Transfer Cashback Campaign is free to enter.
2. Payments in the Product Transfer Cashback Campaign are non-negotiable or transferable.
3. Payment will be made into your nominated bank no later than ninety (90) days following the date of completion of your product transfer with us.

This Product Transfer Cashback Campaign is operated and run by Hey Habito Limited, a company registered under the laws of England & Wales whose registered address is Throgmorton UK Ltd Reading, 4th Floor, Reading Bridge House, George Street, Reading, Berkshire, RG1 8LS. We are regulated by the Financial Conduct Authority under registration number 714187.

1. We won’t be responsible to any eligible customer if payment is delayed or cancelled for any reason.
2. Our decision with regard to the process of administering the Product Transfer Cashback Campaign is final and absolute.
3. We can cancel our Product Transfer Cashback Campaign or stop running the Habito Product Transfer Cashback Campaign entirely at any time and without telling you beforehand, however we will let you know by putting a notice on Habito’s website.
4. If Habito ends the Product Transfer Cashback Campaign Habito will still pay the cashback on any product transfer that has been applied for but not completed at the time of cancellation.
5. We may use your name and the personal information which you provide to us in entering this Product Transfer Cashback Campaign for the purposes of the Product Transfer Cashback Campaign and as described in these T&Cs. We will process and store your information in accordance with our privacy policy.
6. If there’s a disagreement about these T&Cs, we hope you’ll let us know so that we can try and resolve the issue. These T&Cs are based on the laws of England and Wales, and only the courts in England and Wales can resolve any legal claims.