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Buy my first home

Move to a new home

Remortgage

Invest in property

First-time buyers

  • Step onto the property ladder with expert guidance and enhanced affordability

Home movers

  • Upsizing or relocating? We'll secure the perfect mortgage for your next move

Remortgaging

  • Unlock better rates or release equity with personalised, straightforward advice

Buy-to-let

  • Discover tailored mortgage solutions to build or expand your rental portfolio

Over 50s

  • Flexible later-life mortgage options designed to support your future plans

Life insurance

  • Protect your family financially if you’re no longer around

Income protection

  • Replace lost income if illness or injury stops you working

Critical illness cover

  • Receive a payout if you’re diagnosed with a serious condition

Landlord insurance

  • Protect your rental property and the income it generates

Affordability calculator

  • Estimate how much you could borrow and what your repayments might look like

Remortgage calculator

  • Work out how much you could save by switching to a new deal

Stamp Duty calculator

  • Calculate how much Stamp Duty you’ll pay on your property purchase.

Mortgage rates comparison

  • Compare current mortgage rates and deals from over 100 lenders.

Remortgage rates comparison

  • View the latest remortgage rates and available deals from over 100 lenders

Learn

  • Explore clear, practical guides to help you plan, apply and move forward with confidence.

Why we exist

  • Helping a new generation of buyers navigate homeownership with clarity and confidence

Meet the team

  • The people helping thousands of buyers move forward with confidence

Customer stories

  • See how buyers like you achieved their goals with Muttuo

Our lenders

  • Explore the trusted lenders we work with to secure better outcomes

Sustainability

  • One completed mortgage. One tree planted. Supporting long-term environmental impact

Contact us

  • Speak to our team whenever you need clear, practical support

Category: Specialist mortgages

Explore mortgage options for circumstances that may require a more tailored approach. Find guidance for self-employed applicants, people with bad credit, new-build buyers, gifted deposits, guarantors and other specialist situations.

Joint mortgage with bad credit

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Yes, you can get a joint mortgage if one applicant has bad credit. Lenders will assess both applicants, the type of credit issue and your overall affordability before making a decision.

Getting a mortgage with bad credit

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Bad credit does not always stop you from getting a mortgage. Learn what lenders may check, how your deposit and timing can affect your options, and what to do before applying.