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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

Help & Frequently Asked Questions

Your questions, answered simply and clearly

Outcomes and benefits

We match you with lenders most likely to accept your application based on your income, credit profile, deposit, and affordability. This reduces the risk of rejection, protects your credit score, and helps your application move through more smoothly, with fewer surprises along the way.
This depends on your income, outgoings, credit history, deposit, and financial commitments. Lenders assess affordability to ensure repayments are manageable. You can use our calculator or speak to our team for a more tailored estimate.
We compare a wide range of lenders, including access to broker-only products. This allows us to identify competitive rates based on your circumstances, which may reduce your monthly payments and total cost over time.
We handle the research, comparisons, and paperwork on your behalf, saving you time and avoiding unnecessary applications. By identifying suitable lenders early, we can also help reduce delays and potentially lower your overall borrowing costs.
We guide you through each step, from understanding deposits and credit checks to navigating available schemes. This helps ensure your application is accurate, well-positioned, and aligned with lender expectations from the outset.
We review your current deal and compare alternatives across the market. This can help you avoid moving onto a higher standard variable rate, reduce monthly payments, or access funds where appropriate.
Most applications take around 2 to 6 weeks from submission to offer, depending on the lender, documentation, and legal process. Starting early and providing complete information can help avoid delays.
Timelines vary by lender and circumstances. In some cases, it’s possible to move from Agreement in Principle to offer within a few days, although most applications take longer with full underwriting involved.
It may still be possible. Some lenders specialise in more complex cases, although options and rates can vary. Improving your credit profile and deposit position can strengthen your application.
A declined application does not mean you cannot get a mortgage. We review the reasons, reassess your position, and identify lenders better suited to your circumstances before you reapply.
Loan-to-value is the percentage of the property price you borrow. For example, borrowing £160,000 on a £200,000 property is an 80% LTV. Lower LTVs typically provide access to more competitive rates.
An Agreement in Principle is an initial indication of how much you may be able to borrow, based on a preliminary assessment. It can help demonstrate to sellers and estate agents that you are a serious buyer.
Some lenders use a soft credit check, which does not affect your score, while others may carry out a hard search. We can guide you towards lenders that align with your preferences.
In many cases, you do not need to pay broker fees upfront, although some costs, such as valuation or legal fees, may apply during the process. We explain any costs clearly before you proceed.
No. Speaking to a broker does not impact your credit score. Only certain lender checks, such as hard credit searches, may leave a mark, and we guide you through this before any application is submitted.

Access and options

Yes, Muttuo Mortgages provides independent whole-of-market mortgage advice, searching through over 20,000 deals from more than 100 lenders to find the best option for you.

Our knowledgeable team offers impartial guidance and simplifies your mortgage journey, whether you’re a first-time buyer, moving home, or remortgaging.

Yes, Muttuo Mortgages is regulated by the Financial Conduct Authority (FCA), ensuring we operate under strict guidelines designed to protect consumers.
This regulation offers several benefits, including protecting your interests through fair treatment and transparency, fostering trust and credibility in their services, and providing access to the Financial Ombudsman Service to resolve disputes.

Being FCA-regulated ensures Muttuo Mortgages operates responsibly and prioritises your best interests.

Yes. We work with a wide range of lenders, including those who support more complex cases such as self-employment, credit issues, or non-standard properties. We match you with lenders suited to your circumstances, improving your chances of approval.

We compare a broad range of mortgage options across the market, including:

  • Fixed and tracker rates
  • Offset and interest-only mortgages
  • Options for self-employed or complex income
  • Green mortgages for energy-efficient homes
  • Solutions for adverse credit or larger loan sizes
 

Some products are only available through brokers, depending on the lender and your circumstances.

We assess interest rates, fees, flexibility, and overall affordability to recommend options aligned with your financial position and longer-term plans, not just the lowest initial rate.
Many lenders take a more flexible view depending on the type of income, credit history, or property. We assess your circumstances and identify lenders who are more likely to consider your application, rather than relying on standard high street criteria.

How we support you

We begin by understanding your goals, income, and circumstances.

You then receive a tailored recommendation and, where appropriate, an Agreement in Principle.

Once your offer is accepted, we manage the full application, liaising with lenders, surveyors, and solicitors on your behalf.

We guide you through to completion, keeping the process moving and clearly explained at each stage. This keeps everything aligned from the outset and reduces the risk of delays later on.

A declined application does not mean you cannot proceed. We review the reasons, adjust your application where needed, and approach lenders more suited to your circumstances.
Yes. We continue to support you with rate reviews, remortgage planning, and guidance if your circumstances change. This helps ensure your mortgage remains appropriate over time.
You’ll receive regular updates from your dedicated broker via phone, email, or secure messaging. We also manage communication with lenders, solicitors, and estate agents, so you’re not left chasing progress.