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.

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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

Check your eligibility

Answer a few questions about you and what you think you'd like to borrow

Decision in Principle

Decision in Principle

We'll let you know whether we can lend to you and how much you can borrow

Property check

Property check

Tell us a bit about the property you'd like to buy

Choose your mortgage

Choose your mortgage

Select the mortgage that's right for you

ID verification

ID verification

Upload your ID and take a selfie so we can check you're you

Mortgage offer

Mortgage offer

If you and your chosen property meet our lending criteria, we'll agree your mortgage offer

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)

As personal, plus:

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.

Check eligibility

Discover more

Mortgage rates

Mortgage calculator

Eligibility criteria

Any questions?

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A recognised innovator

We’re proud to take part in a fintech docuseries produced by BBC StoryWorks for Innovate Finance.

View the full video  on our YouTube channel

Awards

Celebrating our award-winning products and services
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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 Molo’s Gemma” or download it from the Amazon Skills Marketplace.