The digital mortgage

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

Molo is an award-winning fintech start-up transforming the mortgage industry as Europe’s only digitally native mortgage lender. Since launching in 2018, we’ve used technology to deliver simpler and faster online mortgage lending.

At Molo, we’ve been at the forefront of transforming the UK mortgage industry. Our commitment to innovation has allowed us to deliver online mortgages that prioritize both speed and efficiency. With a dedicated focus on simplifying the home-buying journey, our digital mortgage platform is designed to empower you. At Molo, we believe in letting you concentrate on what truly matters – getting the keys to your new home.

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

2017

Solving an important problem

At Molo, we are on a mission to transform the mortgage industry by addressing the challenges that have long frustrated customers looking for a mortgage. Our journey began with a simple realisation - applying for a mortgage was a slow and manual process, burdened by paperwork and prolonged decision times… And there simply had to be a better way!

Molo's mission stems from this frustration, with a commitment to achieve the following:

1. Provide customers with better outcomes in terms of speed, convenience, cost, and accessibility to the mortgage market.

2. Enhance housing affordability for customers.

3. Reduce risk and operational costs, contributing to a more efficient and sustainable mortgage ecosystem.

2017

2018

Building a team

Transforming this mission, we assembled a team of ambitious individuals with expertise in technology, banking, mortgages, and customer experience.We have collaborated with several partners and have built a digital proposition poised to disrupt the conventional mortgage application process.

2018

2019

Entering the UK market

Molo officially launched in 2019, offering buy-to-let mortgages to the market and quickly receiving recognition, with Credit Strategy Lending naming Molo as Best Online Mortgage Lender, Best Brand, and Gamechanger in the industry.

2019

2020

Expanding horizons

Despite the challenges presented by the pandemic, Molo thrived, raising Series A financing and securing £266 million in mortgage funding. In 2020, we diversified our product offerings to include HMO and limited company mortgages, providing customers with increased choice and flexibility.

2020

2021

Growth-at scale

In 2021, Molo achieved over 30x year-over-year growth and secured a place in the UK Top 100 Startups list for the second straight year. During this time we have partnered with several major Networks and Clubs to support our growth aspirations.

Building and expanding on these strong business partnerships underpin our broker channel and supplement product expansion, providing Molo with comprehensive market reach and innovation.

2021

2022

International Partnership

In 2022, Australian lender ColCap made a strategic investment into Molo, providing support in further expanding Molo’s access to mortgage funding to accelerate its growth into both domestic and international markets.

2022

2023

Launching non-UK resident mortgages

Building upon our international expansion, we launched buy-to-let mortgages targeted at non-UK residents. This product offering signals our commitment to serve international investor clients and give them access to the UK market.

2023

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.