Mortgage advice fees, made clear

At Muttuo Mortgages, we keep our fees simple. You will not pay a mortgage advice fee unless you receive a mortgage offer from a lender. If a fee applies, your adviser will confirm it before you move forward.

Our mortgage advice fees are simple

We usually charge a fee for mortgage advice, depending on your circumstances and the level of work needed to support your application.

Muttuo Members

Free

If you’re already part of the Muttuo community, our brokerage service is free.

Standard mortgage advice

£499

For straightforward mortgage applications where there are no major affordability, credit or complexity challenges. This may include buying your first home, moving home or remortgaging, where your income, deposit, property and credit position are clear.

Complex mortgage advice

£749

For cases that need extra support because of income, credit history, property type, affordability or specialist mortgage needs. This may include self-employed income, contractor income, company director income, credit issues, complex affordability, buy-to-let, unusual property types or more detailed lender research.

When do you pay?

You only pay your mortgage advice fee once you receive a mortgage offer from a lender.

That means you can speak to our team, explore your options and understand the likely next step before any advice fee becomes payable.

What your fee covers

Your mortgage advice fee helps cover the work involved in finding, recommending and progressing a suitable mortgage option for your circumstances.

This may include:

reviewing your goals, income, deposit and mortgage needs
checking your options across over 100 lenders
explaining suitable routes clearly
preparing and submitting your mortgage application
liaising with the lender during the application process
helping you understand the next steps once your mortgage offer is issued

Why use Muttuo Mortgages?

Advice that
fits your situation

Our team takes time to understand what you are trying to achieve, whether you are buying, moving, remortgaging or investing in property.

Access to
over 100 lenders

We compare options from a wide range of lenders, helping you see what may be available beyond your own bank or a quick online search.

Support from
start to offer

From your first conversation through to your mortgage offer, our team helps keep the process clearer, calmer and more manageable.

Protection alongside
your mortgage

Where relevant, we can also help you review protection options so you can think about how your mortgage, home and family could be supported if life changes.

A quick note about our fees

Your adviser will always confirm the fee that applies before you proceed. The fee you pay will depend on your circumstances and the level of work needed.

Muttuo Mortgages may also receive a payment from the lender if your mortgage completes. Your adviser will explain this as part of the advice process.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Learn