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The UK’s first digital mortgage lender

Say hello to a fast, simple, fair way to get a buy-to-let mortgage. No paper, no appointments, and quick decisions.

Why get an online buy to let mortgage?

We combine smart technology with top partners to offer you a safer and easier process and a better overall experience.

fast

Fast

Get your Decision in Principle in minutes. Full Application reviews can be processed in 24h.

simple

Clear

More transparency on your status during and after your application.

fair

Simple

Smart integrations with partners like RightMove and Experian simplify our process.

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

Eligibility criteria

Check our current criteria to get a buy-to-let mortgage with Molo.

individual

Individual

  • 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.

company

Limited companies (SPV)

As personal, plus:
  • 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.

As seen in

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