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

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 buy-to-let 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

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

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

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.