Terms of use

Here’s everything you need to know about our services and website. Please take a moment to read it. If you have any questions, email us at help@muttuomortgages.com.

Who we are

We’re Muttuo Mortgages, an online mortgage broker and a trading style of Fitch & Fitch Ltd. Fitch & Fitch Ltd is an appointed representative of JLM Mortgage Network Ltd and is listed on the Financial Services Register under reference number 955014. JLM Mortgage Network Ltd is authorised and regulated by the Financial Conduct Authority under reference number 300629. You can verify these details on the Financial Services Register.

The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage. The information and services provided through this website are intended for UK residents only.

Company details

• Registered Office: 340 The Crescent, Severalls Business Park, Colchester, Essex CO4 9AD

• Registered in England: Company Number 08375299

What these terms cover

These terms apply to:

• Our website
• Our online mortgage brokerage service (we’ll call this our “brokerage”).

You should also read our Privacy Policy and Cookie Policy to understand your rights and how we process your data.

When we use “we”, “us”, or “Muttuo”, we refer to Muttuo Mortgages. When we use “you”, we refer to our customers.

Changes to these terms

We may update these terms from time to time. By continuing to use our website or services, you agree to the updated terms. If you do not agree, you may stop using our services at any time.

Who we can help

• Mortgages for UK property: Mortgage services are available for property in the UK to UK residents, expatriates and foreign nationals, subject to lender criteria and individual circumstances. We do not arrange mortgages on property outside the UK.
• Mortgages for companies: We can help with buy-to-let mortgages for trading and non-trading companies.

Our fees

• Free for existing customers: If you’re already part of the Muttuo community, our brokerage service is free.

• Standard fees: £495 for purchases or remortgages.

• Complex applications: £745.

We will always inform you of any fees in advance.

How we get paid

We also earn a commission from lenders, which is a percentage of your mortgage amount. We’ll let you know the exact amount once your mortgage is illustrated.

How our brokerage works

We provide mortgage advice and compare options from more than 100 lenders across the market. Where we make a recommendation, it will be based on your individual needs, circumstances and the mortgage options available to us.

Lenders we work with

We work with more than 100 lenders across the market. Our advisers consider suitable options from this lender range before making a recommendation based on your needs and circumstances.

Lenders we work with 

How we recommend mortgages

We base our advice on the information you provide. It’s important that you give us accurate, up-to-date details. If anything changes, let us know so we can inform your lender.

When we recommend a mortgage, you’ll receive:

• ESIS (European Standardised Information Sheet): This details the terms of your mortgage.

Applying for a mortgage

Once we’ve recommended a mortgage, we’ll handle the application process for you.

We’ll keep you informed during the process through email or phone.

Getting a mortgage offer

We’ll keep in touch with your lender until your mortgage offer has been received and then right through to completion.

If you decide not to proceed, you can withdraw your application by contacting us at help@muttuomortgages.com.

After completion

Completion is when the property officially becomes yours. Congratulations!

We’ll remind you when it’s time to switch your mortgage to avoid moving onto your lender’s standard variable rate.

Cancelling applications

• If you cancel: You may withdraw your application at any time before it is completed. Non-refundable fees paid to the lender will not be refunded.

Using our website

• Links to other websites: We occasionally link to other sites, but we are not responsible for their content.

• Third-party content: Some material on our site may originate from external sources. We cannot guarantee its accuracy.

• Website downtime: We’ll do our best to minimise downtime, but we can’t guarantee the site will always be available.

Your data

We collect and process your data in accordance with our Privacy Policy. By using our website, you agree to this.

We are registered with the Information Commissioner’s Office (ICO). You can view our registration at ico.org.uk.

Complaints and feedback

If anything’s gone wrong, let us know so we can fix it.

How to complain:

• Call: 01462 455655

• Email: compliance@jlmms.co.uk

• Write to: Compliance Dept. JLM Mortgage Network Ltd, 21a Churchyard, Hitchin, Hertfordshire, SG5 1HP
  

We aim to respond within 5 working days and provide a final response within 6 to 7 weeks.

Still unhappy?

You can contact the Financial Ombudsman Service for free, impartial help.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. The level of protection available depends on the type of business and the circumstances of the claim.

Mortgages

Mortgage advice and arranging are covered for 100% of an eligible claim, up to a maximum of £85,000 per person, per firm.

The FSCS does not cover buy-to-let mortgages or other forms of borrowing that are not regulated by the Financial Conduct Authority (FCA).

Insurance

For eligible insurance claims, FSCS protection varies depending on the type of insurance.

Protection is 100% of the claim, without an upper limit, where the claim relates to a long-term care insurance contract that is a pure protection contract or to a liability subject to compulsory insurance.

In other eligible cases, protection is generally 90% of the claim, without an upper limit.

Further information about the FSCS and the protection it provides is available from the Financial Services Compensation Scheme.

Our intellectual property

All content on our website is our property. You may download or print it for personal use, but you may not modify or use it for any other purpose.

Legal information

These terms are governed by the laws of England and Wales, and any disputes will be resolved in their courts.

If you have any questions about these terms, please email us at help@muttuomortgages.com.

Last updated: 11th August 2026