Get an online
Buy-to-let mortgage

See how much you could borrow
with a Decision in Principle in 2 minutes.
* Getting a DIP with Molo is free and will not affect your credit score

The simplest way to get a buy-to-let mortgage

Ditch the long waits and the endless paperwork with an online mortgage loan.

Easy

Access your digital application anytime you want, zero paperwork involved.

Smart

Bespoke technology and integrations ensure a simple and safe online process.

“Simply the best and most efficient service I have ever received from a lender, having been borrowing for the past 10 years.”
– Tal B, January 2021  

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

Buy-to-let eligibility criteria

Check if you match our current criteria to get a mortgage with Molo:

Buy-to-let mortgage or remortgage only

We don't yet offer residential mortgages or consumer buy-to-let.

No portfolio landlords

You must have less than 4 other mortgaged buy-to-let properties.

Property must be in England or Wales

We don’t yet provide mortgages for properties in Scotland or NI.

Houses in Multiple Occupation (HMO)

We currently only lend to HMOs with up to 8 tenants.

60% to 80% Loan to Value (LTV)

We only lend up to 80% LTV, meaning you'll need a 20% deposit.

In addition to ‘Individuals’ criteria:

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.

Molo is not a broker, we are a lender. With Molo, you can actually get a mortgage directly without having to interact with an intermediary who may charge you a separate fee.

We use industry leading technology to process our mortgages fully digitally. This leads to the most efficient and quickest way for you to get a mortgage offer on your buy-to-let property. 

 

A ‘Decision in Principle’ sometimes known as an ‘Agreement in Principle’ or a ‘Mortgage in Principle’, is a document that lenders provide which acts as confirmation that they are prepared to consider lending to an individual based on information the individual provided. 


A ‘Decision in Principle’ is useful to have as proof to an estate agent or seller that you can afford to buy the property. 

You only pay the interest on your mortgage each month, without repaying any of the capital loan itself. The idea is that you build up enough money to be able to pay off the mortgage at the end of the term in other ways – for example through investing in stocks and shares, pension endowment or the sale of this/another property.

As a part of our application process, we need the address of your targeted property so that we can use our automated systems to value the property and give you your mortgage offer.


However, you are able to get a Decision in Principle in a matter of minutes without knowing all the exact details of the property. Once you’ve found a property you will then be able to continue with a full application.

Get your online Decision in Principle

90% of our Decisions in Principle are given in less than 2 minutes. It’s free and will not affect your credit score.