diff --git a/clippy_lints/src/option_if_let_else.rs b/clippy_lints/src/option_if_let_else.rs
index aa6d40042688..abdccc47f547 100644
--- a/clippy_lints/src/option_if_let_else.rs
+++ b/clippy_lints/src/option_if_let_else.rs
@@ -140,6 +140,9 @@ fn try_get_option_occurrence<'tcx>(
             let (as_ref, as_mut) = match &expr.kind {
                 ExprKind::AddrOf(_, Mutability::Not, _) => (true, false),
                 ExprKind::AddrOf(_, Mutability::Mut, _) => (false, true),
+                _ if let Some(mutb) = cx.typeck_results().expr_ty(expr).ref_mutability() => {
+                    (mutb == Mutability::Not, mutb == Mutability::Mut)
+                }
                 _ => (bind_annotation == BindingAnnotation::REF, bind_annotation == BindingAnnotation::REF_MUT),
             };
 
diff --git a/tests/ui/option_if_let_else.fixed b/tests/ui/option_if_let_else.fixed
index 2b8ce5477cc6..8e59e4375d2e 100644
--- a/tests/ui/option_if_let_else.fixed
+++ b/tests/ui/option_if_let_else.fixed
@@ -208,3 +208,19 @@ fn issue9742() -> Option<&'static str> {
         _ => None,
     }
 }
+
+mod issue10729 {
+    #![allow(clippy::unit_arg, dead_code)]
+
+    pub fn reproduce(initial: &Option<String>) {
+        // 👇 needs `.as_ref()` because initial is an `&Option<_>`
+        initial.as_ref().map_or({}, |value| do_something(value))
+    }
+
+    pub fn reproduce2(initial: &mut Option<String>) {
+        initial.as_mut().map_or({}, |value| do_something2(value))
+    }
+
+    fn do_something(_value: &str) {}
+    fn do_something2(_value: &mut str) {}
+}
diff --git a/tests/ui/option_if_let_else.rs b/tests/ui/option_if_let_else.rs
index cfbec8cb27da..e72edf2a8e31 100644
--- a/tests/ui/option_if_let_else.rs
+++ b/tests/ui/option_if_let_else.rs
@@ -249,3 +249,25 @@ fn issue9742() -> Option<&'static str> {
         _ => None,
     }
 }
+
+mod issue10729 {
+    #![allow(clippy::unit_arg, dead_code)]
+
+    pub fn reproduce(initial: &Option<String>) {
+        // 👇 needs `.as_ref()` because initial is an `&Option<_>`
+        match initial {
+            Some(value) => do_something(value),
+            None => {},
+        }
+    }
+
+    pub fn reproduce2(initial: &mut Option<String>) {
+        match initial {
+            Some(value) => do_something2(value),
+            None => {},
+        }
+    }
+
+    fn do_something(_value: &str) {}
+    fn do_something2(_value: &mut str) {}
+}
diff --git a/tests/ui/option_if_let_else.stderr b/tests/ui/option_if_let_else.stderr
index 91d52fc79b81..aa2da2174003 100644
--- a/tests/ui/option_if_let_else.stderr
+++ b/tests/ui/option_if_let_else.stderr
@@ -271,5 +271,23 @@ error: use Option::map_or instead of an if let/else
 LL |     let _ = if let Ok(a) = res { a + 1 } else { 5 };
    |             ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ help: try: `res.map_or(5, |a| a + 1)`
 
-error: aborting due to 21 previous errors
+error: use Option::map_or instead of an if let/else
+  --> $DIR/option_if_let_else.rs:258:9
+   |
+LL | /         match initial {
+LL | |             Some(value) => do_something(value),
+LL | |             None => {},
+LL | |         }
+   | |_________^ help: try: `initial.as_ref().map_or({}, |value| do_something(value))`
+
+error: use Option::map_or instead of an if let/else
+  --> $DIR/option_if_let_else.rs:265:9
+   |
+LL | /         match initial {
+LL | |             Some(value) => do_something2(value),
+LL | |             None => {},
+LL | |         }
+   | |_________^ help: try: `initial.as_mut().map_or({}, |value| do_something2(value))`
+
+error: aborting due to 23 previous errors