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.

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


Quickly check you meet our current eligibility



  • 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

As personal, plus:
  • 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.

As seen in

  • Techcrunch logo
  • Forbes logo
  • Financial Reporter logo
  • UK Tech News logo
  • Mortgage Solutions logo
  • The Times logo