Buying your first home - Muttuo Mortgages

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Are you buying your first home? We’ll keep this simple with just a few quick steps.

What stage are you at?(Required)

Whether you’re just exploring or ready to make an offer, telling us your stage helps us support your application.

I want to make an offer

My offer has been accepted

I’m just researching

I'm viewing properties

Are you buying on your own or with someone else?(Required)

This assists us in calculating your borrowing capacity and matching you with lenders based on whether it is a single or joint application.

Just me

With someone else

What’s the property value?(Required)

Enter the estimated purchase price of the home you wish to buy. The property value assists us in calculating how much you may need to borrow.

How much deposit do you have?(Required)

Inform us of the amount you’ve saved (or received as a gift) towards the property purchase. Your deposit affects your loan size and the deals for which you may be eligible.

Are you buying with help from a scheme?(Required)

Schemes such as Shared Ownership or Right to Buy can affect the available mortgages. Choose the one you’re using — or select “Not sure.

Shared Ownership

Right to Buy

Shared Equity

Another scheme

Not sure

Is it a new build?(Required)

Certain lenders have different criteria for new builds, particularly flats. Please inform us so we can provide you with accurate mortgage options.

Yes

What’s your total annual income?(Required)

Include your annual income before tax, salary, bonuses, benefits, or self-employment. If purchasing with another person, combine both incomes.

Combine yours and any other person's if applying jointly.

Any credit issues in the past 6 years or payday loans in the last 2?(Required)

Inform us if you have experienced any missed payments, defaults, or payday loans. Disclosing this information will not disqualify you; it simply helps us find the right deal for your situation.

Yes

What is your preferred mortgage term?(Required)

This indicates the duration over which you wish to repay your mortgage. Shorter terms result in higher monthly payments but less interest overall. Unsure? That’s fine too.

Not sure

Short term (under 25 years)

Standard (25 to 30 years)

Longer term (35 to 40 years)

Great! As you’re exploring your options, here are a few useful next steps to help you check your budget, compare deals and understand your choices.

Use our mortgage calculator

Get a quick estimate of what you can afford on a home.

Start an Agreement in Principle (AiP)

Show sellers you mean business. Start an AiP to know what you can afford to borrow and get ready to confidently make an offer on a property.

Compare live mortgage deals

See today's mortgage rates and compare the overall costs of different morgage options to find the best fit for you.

Speak to a Muttuo Mortgages broker

Tell us your remortgage needs. Don’t worry - this won’t affect your credit score!

Great! As you’re viewing properties, here are a few useful next steps to help you check your budget, compare deals and understand your choices.

Use our mortgage calculator

Get a quick estimate of what you can afford on a home.

Start an Agreement in Principle (AiP)

Show sellers you mean business. Start an AiP to know what you can afford to borrow and get ready to confidently make an offer on a property.

Compare live mortgage deals

See today's mortgage rates and compare the overall costs of different morgage options to find the best fit for you.

Speak to a Muttuo Mortgages broker

Tell us your remortgage needs. Don’t worry - this won’t affect your credit score!

Your first home is closer than you think – let’s get you on the property ladder!

We need a few more details

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Last name(Required)

Email address(Required)

Phone number(Required)

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Are you buying your first home? We’ll keep this simple with just a few quick steps.

Great! As you’re exploring your options, here are a few useful next steps to help you check your budget, compare deals and understand your choices.

Use our mortgage calculator

Start an Agreement in Principle (AiP)

Compare live mortgage deals

Speak to a Muttuo Mortgages broker

Great! As you’re viewing properties, here are a few useful next steps to help you check your budget, compare deals and understand your choices.

Use our mortgage calculator

Start an Agreement in Principle (AiP)

Compare live mortgage deals

Speak to a Muttuo Mortgages broker

Your first home is closer than you think – let’s get you on the property ladder!

We need a few more details