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The UK’s first digital mortgage lender
Say hello to a fast, simple, fair way to get a buy-to-let mortgage. No paper, no appointments, and quick decisions.
Latest updates
Why get an online buy to let mortgage?
We combine smart technology with top partners to offer you a safer and easier process and a better overall experience.
Fast
Get your Decision in Principle in minutes. Full Application reviews can be processed in 24h.
Clear
More transparency on your status during and after your application.
Simple
Smart integrations with partners like RightMove and Experian simplify our process.
How it works
Here’s what you need to do to get your mortgage in minutes
Check your eligibility
Decision in Principle
Property check
Choose your mortgage
ID verification
Mortgage offer
Check your eligibility
Answer a few questions about you and what you think you'd like to borrow
Check your eligibility
Answer a few questions about you and what you think you'd like to borrow
Decision in Principle
We'll let you know whether we can lend to you and how much you can borrow
Property check
Tell us a bit about the property you'd like to buy
Choose your mortgage
Select the mortgage that's right for you
ID verification
Upload your ID and take a selfie so we can check you're you
Mortgage offer
If you and your chosen property meet our lending criteria, we'll agree your mortgage offer
Eligibility criteria
Check our current criteria to get a buy-to-let mortgage with Molo.
Individual
Buy-to-let purchase or remortgage only
We don't yet offer residential mortgages.
No portfolio landlords
You must not already have 4 or more mortgaged buy-to-let properties.
Property must be in England or Wales
We don’t yet provide mortgages for Scotland.
Limited companies (SPV)
Special Purpose Vehicles (SPV) limited companies only
Must be a Real Estate SPV registered within England or Wales.
The SIC code must be one of the following:
64305, 64910, 68100, 68209, 68310, 68320. No other SIC codes will be accepted.
Maximum of 4 directors or shareholders
Each director or shareholder must provide a full personal guarantee.
A recognised innovator
We’re proud to take part in a fintech docuseries produced by BBC StoryWorks for Innovate Finance.
on our YouTube channel
As seen in
Need a hand? Say hi to Gemma
Meet Gemma our new Alexa Skill. If you have a question on applying for a mortgage with Molo Gemma can give you assistance whenever you want it.
On your Alexa enabled device/app, just say “Alexa, enable Gemma from Molo” or download it from the Amazon Skills Marketplace.