This website is for customer use only. If you’re an intermediary, please go to our intermediary site here.

The future of mortgages

At Molo, we’re delivering the future of mortgages now!

Molo provides specialist mortgage solutions for both UK and overseas customers through our intermediary partners.

 

Innovation is at the core of our identity, reflected in our:

  • Competitive product proposition, fitting a wide array of borrower needs
  • Flexible criteria, serving UK, expat, and non-resident borrowers
  • Digital-first customer experience, saving time and effort along the way

Our lending proposition is underpinned by market-leading technology.

 

To date, we have surpassed £500m of mortgages completed and we are just getting started!

 

Molo is a wholly-owned subsidiary of ColCap Financial UK Limited and is regulated by the UK’s Financial Conduct Authority.

What we do

We specialise in online buy-to-let mortgages, eliminating the need for paperwork or appointments. You can experience the convenience of securing a mortgage within days instead of weeks. Additionally, we collaborate with intermediaries to extend Molo’s reach, ensuring more individuals can take advantage of the seamless online mortgage process.

Our team

Molo’s international team is composed of skilled, dynamic individuals with a shared commitment to revolutionising the mortgage industry through digitalization. Across technology, marketing, compliance and customer services, we’re cultivating a dedicated and ambitious group of professionals poised to redefine the mortgage industry.

Our journey

2018
Building a team
Assembled team and started work on development of a technology-driven, automated decisioning engine to power lending.
2018
2019
Entering the UK market
Funded our first mortgage: A £50k loan towards the purchase of a house in Salisbury. Received industry recognition: named as Best Online Mortgage Lender, Best Brand, and Gamechanger by Credit Strategy.
2019
2020
Fundraising
Closed Series A equity funding round and entered into £250m mortgage funding agreement with institutional investors.
2020
2021
Partnering with intermediaries
Launched with intermediary partners across the market, funding £170m of buy-to-let mortgages within the year.
2021
2022
ColCap investment
Entered strategic partnership with Australian non-bank lender ColCap (AUS $16 billion assets under management).
2022
2023
Expanding into non-UK resident mortgages
Partnered with AAA Financial Corporation Pty Ltd (“AAA”) to launch our international lending proposition, lending to non-UK resident borrowers via our intermediary partners. Launched full affordability assessment for UK resident and non-UK resident borrowers. Launched “mortgage as a service” software solution for a UK bank.
2023
2024
Scaling the business
Became a wholly owned subsidiary of ColCap Financial UK Limited and opened our Birmingham office. Completed our debut £300m buy-to-let securitisation (“Molossus BTL 2024-1”). Exceeded £500m of mortgages completed
2024

Why now?

Molo is the UK’s first, fully-digital mortgage lender, pioneering mortgages underwritten entirely online. Leveraging technology, we offer real-time lending decisions through a seamless and transparent digital journey. We are committed to resolving fundamental issues in the mortgage market, replacing cumbersome processes with efficiency, lack of transparency with clarity of eligibility, and layers of cost with fair value and transparency.

 

We are dedicated to merging technological innovation and product enhancement to provide our customers with the finest possible mortgage experience.

Our Team

We’ve put together a multi-national team with years of experience across
mortgages, tech start-ups and customer experience.

LEADERSHIP TEAM

Andrew Chepul

Andrew Chepul

Executive Chairman

Matt Kimber - Molo CEO

Matt Kimber

Chief Executive Officer

Mark Michaelides - Molo CCO

Mark Michaelides

Chief Commercial Officer

Julie Eastty

Julie Eastty

Head of Compliance & MLRO

Neil Jones - Finance Director

Neil Jones

Financial Director

Paolo-tanca-pic

Paolo Tanca

Treasurer

Sharon Sohal - Head of People

Sharon Sohal

Head of People (Mat leave)

Lauren C

Lauren Clough

HR Business Partner (Mat cover)

BOARD AND ADVISORS

Andrew Chepul

Andrew Chepul

Executive Chairman

Ilias Pavlopoulos

Ilias Pavlopoulos

Non-executive Director
lynda.ed0daea2

Lynda Blackwell

Non-executive Director

Nigel-Batley

Nigel Batley

Non-executive Director
Matt Kimber - Molo CEO

Matt Kimber

Chief Executive Officer

As seen in

Awards

Celebrating our award-winning products and services

Want to become a Molo-ee?

We’re always looking to expand our team. Do you think you have what it takes to be part of the Molo family?