Your online mortgage broker for simple advice
Compare mortgages from 100+ lenders with an adviser who makes your choices clear and supports you through to completion.
Explore 20,000+ mortgage deals
What's your goal?
Find advice for your next step.
Buy my first home
Understand your budget and the steps to getting your first mortgage.
Moving home
Find out what moving could mean for your mortgage and monthly payments.
Remortgage
Review your current deal and compare your options for what comes next.
Invest in property
Get buy-to-let mortgage advice for your first rental property or growing portfolio.
Meet the experts behind Muttuo
Get to know our award-winning people who’ll guide you through your mortgage, explain their recommendations and answer your questions.
“Really easy process with quick turnaround times. Chris and Lisa were incredibly helpful, keeping us informed throughout…”
“Ben Hart guided us through a joint mortgage for my son’s first home. He explained options clearly…”
“Great communication and friendly staff. The remortgage process was quick, easy, and seamless.”
“As a self-employed first-time buyer, Ben secured my mortgage quickly and stress-free. His responsiveness and efficiency made the process smooth…”
Real people. Real stories
Read more reviews about the team behind Muttuo on Trustpilot
How Muttuo works
From your first enquiry to completion, here’s how we’ll help.
Tell us about your plans
Share a few details about your finances, your property and what you’d like to do.
Speak to a mortgage expert
Your adviser will compare options from 100+ lenders and explain which could suit your circumstances.
Secure your mortgage
When you’re ready to apply, we’ll manage your application, liaise with the lender and keep you updated through to completion.
Calculate what's possible
Estimate what you could borrow, your monthly repayments or how much you could save by remortgaging to make smarter decisions.
What could you borrow?
Borrowing results
Enter your annual income, then select Calculate borrowing to see your estimate.
Your borrowing estimate
This indicative estimate is based on 4.5 times the gross annual household income entered. The amount you can actually borrow will depend on the lender's affordability and eligibility checks.
Based on the details you entered.
Potential enhanced borrowing
Some eligible first-time buyers may be able to borrow up to six times their gross annual income through selected mortgage products. This is not guaranteed and remains subject to the lender's full affordability, credit and eligibility checks.
Property budget (standard estimate)
Loan to value
LTV shows the mortgage as a percentage of the estimated property budget.
Plan your next step
Explore what these figures could mean for your mortgage options.
What could your payments be?
Monthly payment results
Enter your mortgage details, then select Calculate payments to see your estimate.
Your estimated monthly payment
Calculated using the mortgage amount, annual interest rate and term entered. Repayment payments cover interest and the loan; interest-only payments cover interest only.
Based on the details you entered.
Total interest payable
The estimated interest over the full mortgage term, assuming the rate stays the same throughout. Fees are excluded.
You will still need to repay the full mortgage amount at the end of the term.
Plan your next step
Talk through these payments and your mortgage options with an adviser.
Could you save by switching?
Remortgage comparison results
Enter your mortgage details and the new rate, then select Calculate savings to compare.
Potential yearly saving
Compares payments using the same mortgage balance, remaining term and repayment type at both rates. The yearly figure is the monthly difference multiplied by 12, assuming both rates stay unchanged for that year.
Before fees and any early repayment charges.
Potential monthly saving
Current monthly payment
New monthly payment
Interest-only payments do not repay the mortgage balance. You will still need to repay it at the end of the term.
Plan your next step
Talk through the costs of switching and your remortgage options with an adviser.
These figures are estimates, not a personalised mortgage quote or offer.
Your all-in-one mortgage solution
More choice, less searching
We compare mortgages from 100+ lenders to find options that suit you.
Advice that fits your life
Get recommendations shaped around your circumstances and future plans.
Understand the costs
Know what to expect, with clear explanations of rates, fees and repayments.
Support through to completion
We manage your application, liaise with your lender and keep you updated.
Protection and insurance advice
Explore cover for your home, family and income, with guidance on your options.
Here for your next move
Pay no Muttuo advice fee when you return for your next mortgage.
Our mortgage advice fees are simple
If a fee applies, you only pay it when your mortgage completes.
Muttuo members
£0 advice fee
Previously completed a mortgage through Muttuo? You’re automatically a Muttuo Member when you return for your next mortgage or remortgage, meaning you’ll pay no Muttuo mortgage advice fee.
Standard mortgage advice
£495
For straightforward mortgage applications, without complex income, credit or property requirements.
Complex mortgage advice
£745
For applications needing extra work because of income, credit history, the property or specialist borrowing needs.
Your questions
answered
Straight answers to common questions about using Muttuo as your mortgage broker.
Why use a mortgage broker instead of going directly to a bank?
Going directly to a bank means exploring that lender’s mortgages. A mortgage broker can compare options across different lenders and help you understand which could suit your circumstances.
It’s a well-established route; forecasts suggest that around 87% of regulated mortgage lending will go through brokers in 2026 and 2027.
Can I get advice before finding a property?
Yes. You can speak to us while you’re still exploring your options. Understanding what you could borrow and what the monthly payments might look like can help you set a realistic budget before you start viewing homes.
We can also explain whether an agreement in principle would be a useful next step.
What do I need for my first conversation?
A rough idea of your income, regular spending, deposit or current mortgage balance is a useful starting point. Think about what you’d like to do and any timescales you have in mind.
You don’t need every document ready to ask for advice. Your adviser will explain what information is needed as things progress.
Can you help if my circumstances aren’t straightforward?
Ready to
request your
mortgage quote?
Tell us your plans. Let’s explore your mortgage options.
0333 012 4015
Mon - Fri, 9am - 5:30pm
Email our team
We aim to reply within one working day.