Due to the unprecedented circumstances surrounding the Covid-19 pandemic, we’re temporarily suspending new applications.
Say hello to a fast, simple, fair way to get a buy-to-let mortgage
No paper, no appointments, and quick decisions.
Covid-19 update
Why go Molo?
Using the power of technology to make smart, secure, real-time lending decisions, we’re changing the way people get mortgages, for good.
The new way to mortgage
Our purpose-built, multi-award winning digital mortgage lending platform means no paperwork, no appointments, no weeks of waiting for a decision and full transparency.
A fully online process
We use the smartest in UK mortgage tech and general (still incredibly epic) tech to run checks, evaluate your property, verify your ID and even underwrite your mortgage, getting you a fair mortgage offer, fast.
Leading the UK mortgage revolution
Launched in October 2018 we’re proud to be the UK’s first direct-to-consumer, fully-online mortgage lender, paving the way for positive industry change and a simpler way to mortgage.
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
Quickly check you meet our current eligibility
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
Special Purpose Vehicles (SPV) limited companies only
Companies must be Real Estate SPVs registered within England or Wales.
Maximum of 4 directors or shareholders
Each director or shareholder must provide a full personal guarantee.
