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Molo mortgage insights
Read the latest articles about mortgages, the UK property market and what’s happening at Molo
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Is Liverpool a good city for HMO?
Houses of multiple occupation (HMO) tend to be popular with young professionals and students.
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The role of a letting agent in a buy-to-let investment
The buy-to-let mortgage is secured, and you’re about to complete on your property. Only
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Is a tracker mortgage a good idea for buy-to-let in 2024?
The Bank of England (BoE) hasn’t increased the base rate since August 2023 (as
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What does the 2024 spring budget mean for the buy-to-let market?
The latest budget announcement from the government contained several policies that will directly impact
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Tips for a faster completion
Completing a property transaction can feel like it takes forever. Average UK completion times
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Is 4% a good rental yield?
If you’re contemplating joining the ranks of buy-to-let landlords, a key question looms: what
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How does valuation to mortgage offer work?
The valuation is one of the most important parts of getting a mortgage. It
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What’s the difference between a solicitor and conveyancer?
You will hear the words “solicitor” and “conveyancer” bandied about during the property buying
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What is Conveyancing?
Conveyancing is the legal transfer of property from one owner to another. But when
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How can a buy-to-let calculator help investors?
If you’re thinking of purchasing a buy-to-let property, it’s good to have as much
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Best platforms to advertise your holiday let (that aren’t Airbnb)
There is only one platform when it comes to listing your holiday let, right?
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What are the most important property features renters look for?
With a fifth (19%) of all homes in the UK being privately rented, landlords
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Revealed: The impact of late rental payments
The cost of living crisis has impacted nearly every area of our daily lives,
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The top worries for landlords in 2024
The cost of living crisis is impacting everyone, including landlords. A new survey by
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Upcoming property legislative changes and attitudes towards them
The rental market is constantly shifting, and there are several property bills currently being
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Top university cities where buy to let demand is strong
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Can I apply for a buy-to-let mortgage as a first-time buyer?
Buying a property to rent out has boomed in popularity across the UK over
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Safest locations in England and Wales to invest
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Most popular cities to invest in a buy-to-let property, according to social media
From cafes and restaurants to the aesthetic of the properties, there are a lot
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Buy-to-let property above a commercial address: pros and cons
Historically, getting any type of mortgage for a property above a commercial address has
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Are yields higher for HMO properties?
There is more than one way to invest in a buy-to-let property, with houses
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Top 10 locations where property buys itself back
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Top locations for rental yield in England
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Is Manchester still a good city for a buy-to-let investment?
Alongside Bristol, Manchester is the UK’s highest growing city for real estate. Not only
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Pros and cons of renting out a holiday-let property
The likes of Airbnb have led to an increase in holiday lets. Data from
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How does mortgage underwriting work?
So you’ve begun your mortgage application and provided all the necessary information. What comes
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5 reasons to invest in a buy to let in 2024
As we step into 2024, buy-to-let is firmly under the spotlight. With rising interest
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Can I get a buy-to-let mortgage in retirement?
Whether you’re retired, no longer working or are over 66 (official UK retirement age),
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The Pros and Cons of Buy-to-Let Investments: Is It Right for You?
Pro: regular rental income (that seems to be rising) Letting a property offers a
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Do You Need Insurance When Getting a Buy-to-Let Mortgage?
Mortgage protection insurance What is it? Mortgage protection insurance is a policy designed to
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Best holiday let locations in the UK
Location is everything if you’re considering investing in a holiday let property. Fortunately, the
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Building a property portfolio
One property, two properties, three properties or four? Building a buy-to-let property portfolio is
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How to calculate rental yield
Determining your rental yield is helpful for assessing the viability of a buy-to-let property
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What is a good rental yield?
What is a good rental yield? It’s one of the most frequently asked questions
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Best UK rental yields for properties under £100K
The average house price in the UK is £286,500, which means buying a property
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Additional borrowing on mortgage
When it comes to buy-to-let remortgages, it’s not uncommon for landlords to borrow more
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Adding product fees to my mortgage
Can I add product fees to my mortgage? A buy-to-let mortgage often has other
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Holiday Let mortgages everything you need to know
The rise of Airbnb and other hospitality marketplaces has led to an increase in
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How does a buy-to-let limited company owned by a subsidiary company work?
Landlords are increasingly exploring alternative and tax-efficient methods to invest in buy-to-let properties. While
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How technology helps with your buy-to-let investment
We live in the era of the connected customer thanks to technology transforming the
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How we simplify the mortgage process at Molo
Getting a mortgage often felt like navigating a maze of information, filled with paperwork
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Buy-to-let mortgage for first time buyers
Are you thinking about stepping into the world of property investment? Buy-to-let mortgage for
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The role of buy-to-let remortgage rates
Interest rates and mortgages go hand in hand. It’s the same for a remortgage,
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What is rental yield?
When you’re investing in a buy-to-let, expect to hear plenty about rental yields. Along
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Remortgaging to a new lender
Remortgaging is the process of switching your existing mortgage to a new deal, either
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How to maximise your property ROI
Buy-to-let properties have long been a popular choice for investors. The physical element of
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What are buy-to-let interest rates?
Interest rates are much more than numbers on a page. They set the benchmark
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The Future of buy-to-let remortgages: trends and predictions
The buy-to-let remortgage market is influenced by many factors ranging from the macroeconomic climate
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Remortgaging a buy-to-let property
As the UK deals with soaring mortgage rates and a cost-of-living crisis, the housing
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Buy-to-Let Remortgage Rates in the UK: Everything You Need to Know
Amid fluctuating interest rates and an ever-changing market landscape, staying up-to-date on the buy-to-let
Recent articles
Recent articles
First time landlords
Taking your first step on the housing ladder is exiting and hard – with lot of jargons and legal terms – our goal is to make your life easy, finding latest information you need to apply for your first buy-to-let mortgage.
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Molo and ColCap debut securitisation of £300m
Thursday, 2nd May 2024: We’re thrilled to announce we have successfully completed our first securitisation, ‘Molossus BTL 2024-1’. The transaction is noteworthy for several reasons:
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Is Liverpool a good city for HMO?
Houses of multiple occupation (HMO) tend to be popular with young professionals and students. And the city of Liverpool just so happens to have more
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The role of a letting agent in a buy-to-let investment
The buy-to-let mortgage is secured, and you’re about to complete on your property. Only now, the real work starts—you need to find tenants. As a
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Is Liverpool a good city for HMO?
Houses of multiple occupation (HMO) tend to be popular with young professionals and students.

The role of a letting agent in a buy-to-let investment
The buy-to-let mortgage is secured, and you’re about to complete on your property. Only
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Is a tracker mortgage a good idea for buy-to-let in 2024?
The Bank of England (BoE) hasn’t increased the base rate since August 2023 (as
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Tips for a faster completion
Completing a property transaction can feel like it takes forever. Average UK completion times
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How does valuation to mortgage offer work?
The valuation is one of the most important parts of getting a mortgage. It
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How can a buy-to-let calculator help investors?
If you’re thinking of purchasing a buy-to-let property, it’s good to have as much
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Best platforms to advertise your holiday let (that aren’t Airbnb)
There is only one platform when it comes to listing your holiday let, right?
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Top university cities where buy to let demand is strong
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Can I apply for a buy-to-let mortgage as a first-time buyer?
Buying a property to rent out has boomed in popularity across the UK over
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Safest locations in England and Wales to invest
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Most popular cities to invest in a buy-to-let property, according to social media
From cafes and restaurants to the aesthetic of the properties, there are a lot
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Buy-to-let property above a commercial address: pros and cons
Historically, getting any type of mortgage for a property above a commercial address has
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Are yields higher for HMO properties?
There is more than one way to invest in a buy-to-let property, with houses
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Top 10 locations where property buys itself back
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Top locations for rental yield in England
Rental yields calculated using Molo’s data. The data used in Molo’s rental yield calculator
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Is Manchester still a good city for a buy-to-let investment?
Alongside Bristol, Manchester is the UK’s highest growing city for real estate. Not only
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Pros and cons of renting out a holiday-let property
The likes of Airbnb have led to an increase in holiday lets. Data from
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How does mortgage underwriting work?
So you’ve begun your mortgage application and provided all the necessary information. What comes
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5 reasons to invest in a buy to let in 2024
As we step into 2024, buy-to-let is firmly under the spotlight. With rising interest

Can I get a buy-to-let mortgage in retirement?
Whether you’re retired, no longer working or are over 66 (official UK retirement age),
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The Pros and Cons of Buy-to-Let Investments: Is It Right for You?
Pro: regular rental income (that seems to be rising) Letting a property offers a

Do You Need Insurance When Getting a Buy-to-Let Mortgage?
Mortgage protection insurance What is it? Mortgage protection insurance is a policy designed to
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Best holiday let locations in the UK
Location is everything if you’re considering investing in a holiday let property. Fortunately, the
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Building a property portfolio
One property, two properties, three properties or four? Building a buy-to-let property portfolio is
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How to calculate rental yield
Determining your rental yield is helpful for assessing the viability of a buy-to-let property
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What is a good rental yield?
What is a good rental yield? It’s one of the most frequently asked questions
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Best UK rental yields for properties under £100K
The average house price in the UK is £286,500, which means buying a property
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Adding product fees to my mortgage
Can I add product fees to my mortgage? A buy-to-let mortgage often has other
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Holiday Let mortgages everything you need to know
The rise of Airbnb and other hospitality marketplaces has led to an increase in
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How does a buy-to-let limited company owned by a subsidiary company work?
Landlords are increasingly exploring alternative and tax-efficient methods to invest in buy-to-let properties. While
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How technology helps with your buy-to-let investment
We live in the era of the connected customer thanks to technology transforming the
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How we simplify the mortgage process at Molo
Getting a mortgage often felt like navigating a maze of information, filled with paperwork
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Buy-to-let mortgage for first time buyers
Are you thinking about stepping into the world of property investment? Buy-to-let mortgage for
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What is rental yield?
When you’re investing in a buy-to-let, expect to hear plenty about rental yields. Along
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How to maximise your property ROI
Buy-to-let properties have long been a popular choice for investors. The physical element of
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What are buy-to-let interest rates?
Interest rates are much more than numbers on a page. They set the benchmark
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Limited company buy-to-let : Everything you need to know
A limited company buy-to-let mortgage works in a similar way to a standard buy-to-let
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What is HMO?
The private rental sector continues to grow from strength to strength, and there are
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Are 75% LTV buy to let mortgages still worth it?
The residential mortgage market is well known for its low deposits. It’s not uncommon
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What is portfolio buy-to-let mortgages?
Some landlords are happy with one buy-to-let property, while others have a couple that
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What’s happening with buy-to-let interest rates?
What’s Happening With Mortgage Interest Rates? Mortgage interest rates have been historically low for
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Buy-to-let hotspots 2022
7 buy-to-let hotspots in 2022 Buy to let continues to be a popular way
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What you need to know about buy-to-let eligibility
Buy-to-let mortgage eligibility Before purchasing a buy-to-let with a mortgage, you’ll need to meet
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What is a let-to-buy mortgage?
Buying your dream home is… well, it’s the dream, isn’t it? But what happens
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Haunted houses you’d struggle to buy with a mortgage
Haunted houses you’d struggle to buy with a mortgage Halloween is an excuse to
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How to increase the value of your property
In an ideal world, your home will increase in value over time. House prices
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How to get a buy-to-let property
There are two primary ways to purchase a buy-to-let property: paying for it outright
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Is buy-to-let worth it?
The UK is a hotspot for buy-to-let, and it’s often regarded as one of
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How to get a mortgage if you’re self-employed
If there’s one common conception in the mortgage industry, it’s that borrowing to buy
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Remortgaging a buy-to-let
Remortgaging a buy-to-let property is usually done to avoid lapsing onto a lender’s more
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How long does the interest rate stay the same?
When you get a mortgage, you’ll be charged a rate of interest on the
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What is the average mortgage interest rate
Mortgage interest rates can be complicated. There’s a lot to take in from the
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How to release equity from your home
Releasing equity from the main property you live in could be an effective way
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Online mortgages UK
As the UK’s first-ever digital lender, Molo leads the way for online mortgages and
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Molo launches it’s new residential FlexLife mortgage
Molo has launched residential FlexLife mortgage, a product from our brand new residential range
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Check your eligibility for a mortgage
Mortgages come in all shapes and sizes, and not every option is suitable for
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What is a fixed rate mortgage?
When getting a mortgage, you’re usually presented with three options regarding the interest rates:
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What is equity in your home?
Homeownership is all about living somewhere you love and creating long-lasting memories. But there
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Freehold v leasehold: which one is best?
You might be unfamiliar with freeholds and leaseholds if you’re new to buying a
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What is a repayment mortgage?
In the world of residential homes, a repayment mortgage is about as standard as
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Everything you need to know about EWS1 Form
Everything you need to know about EWS1 Form After the Grenfell tragedy in
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Mortgages explained: initial term vs full-length contract
Mortgage lengths are one of the key questions that centre around the mortgage application
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What does the 2024 spring budget mean for the buy-to-let market?
The latest budget announcement from the government contained several policies that will directly impact
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Is 4% a good rental yield?
If you’re contemplating joining the ranks of buy-to-let landlords, a key question looms: what
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What is Conveyancing?
Conveyancing is the legal transfer of property from one owner to another. But when
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What are the most important property features renters look for?
With a fifth (19%) of all homes in the UK being privately rented, landlords
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Revealed: The impact of late rental payments
The cost of living crisis has impacted nearly every area of our daily lives,
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The top worries for landlords in 2024
The cost of living crisis is impacting everyone, including landlords. A new survey by
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Upcoming property legislative changes and attitudes towards them
The rental market is constantly shifting, and there are several property bills currently being
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How much mortgage can you afford?
Owning a buy-to-let is still one of the most popular ways for people to
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Managing a buy-to-let
Once you’ve purchased a buy-to-let property, there’s just the small matter of managing it.
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5 first time landlord mistakes
5 first time landlord mistakes Renting out a property might sound simple enough, but
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A-Z of becoming a new landlord
Now I know my ABC The world of property can sometimes feel complicated, particularly
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Right to Rent
The introduction of Right to Rent was controversial when announced in 2016. At the
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Our guide to becoming a stress-free landlord
April just so happens to be Stress Awareness month, and we know that landlording
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What does the Spring Budget mean for landlords?
The much-anticipated Spring Budget was announced on March 4th, and there was plenty to
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Stamp duty for landlords: everything you need to know
Buyers of property have paid stamp duty for generations, and it’s the oldest form
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Stress testing and its role in mortgage affordability
What is stress testing? Whilst looking for the best buy-to-let mortgages, you may have
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Investing in buy-to-let for the first time
Landlords have taken more hits than they care to account for over the last few years. At times, it must have felt like they were in a heavyweight boxing match, receiving blow after blow for 12 rounds with little let-up. The first jab came with the end of the Wear
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Additional borrowing on mortgage
When it comes to buy-to-let remortgages, it’s not uncommon for landlords to borrow more
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The role of buy-to-let remortgage rates
Interest rates and mortgages go hand in hand. It’s the same for a remortgage,
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Remortgaging to a new lender
Remortgaging is the process of switching your existing mortgage to a new deal, either
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The Future of buy-to-let remortgages: trends and predictions
The buy-to-let remortgage market is influenced by many factors ranging from the macroeconomic climate
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Remortgaging a buy-to-let property
As the UK deals with soaring mortgage rates and a cost-of-living crisis, the housing
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Buy-to-Let Remortgage Rates in the UK: Everything You Need to Know
Amid fluctuating interest rates and an ever-changing market landscape, staying up-to-date on the buy-to-let
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What remortgage products do we offer
If you’re looking to remortgage a buy-to-let property, then you probably want to consider
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Limited company remortgages – what you should consider
The market for limited company buy to let remortgages is growing at pace. The
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How to remortgage with a new lender?
If you’re remortgaging to a new lender directly, you’ll find the experience slightly different
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Should you remortgage to a new lender?
Remortgaging with a new lender can help reduce your monthly mortgage payments or raise
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8 reasons to remortgage your home
Remortgaging has long been a requirement for homeowners after their initial fixed-rate period ends.
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How often can you remortgage?
Part and parcel of getting a mortgage Remortgaging is part and parcel of getting
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Can you remortgage early on a fixed rate?
Leaving your fixed-rate early Fixed-rate mortgages give you security. You’re locked into a price
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When can you remortgage?
Many people get a remortgage in the UK. More than 450,000 remortgages were approved
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Molo and ColCap debut securitisation of £300m
Thursday, 2nd May 2024: We’re thrilled to announce we have successfully completed our first
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Molo partners with Beneficial Network
Monday, 8th April 2024: We are delighted to announce a new partnership with Mortgage
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Molo partners with LMS Conveyancing
Thursday, 7th March 2024: We are pleased to announce our strategic partnership with LMS
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Molo adds Expat buy-to-let mortgages
Friday, 23rd February 2024: We are excited to announce the launch of Expat buy-to-let
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Who is Molo: A recap of 2024
Molo Finance is an award-winning fintech start-up transforming the mortgage industry as Europe’s only
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Molo partners with PMS Mortgage Club
Tuesday, 16th January 2024: We are thrilled to announce a new partnership with PMS
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Molo offers affordability assessments for buy-to-let customers
Wednesday, 1st November 2023: We are proud to introduce our affordability assessment for single
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Molo launches Non-Resident Buy-to-Let Mortgages
Wednesday, 25th October 2023: We are thrilled to launch our new Non-resident buy-to-let mortgages,
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Molo partners with Propflo to boost energy efficiency in buy-to-let’s
Wednesday, 20th September 2023: We are thrilled to announce our strategic partnership with ColCap
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Molo launches new limited edition products and updates PBTL criteria
Thursday, 7th September 2023: With the cost of living still high, many landlords are
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Molo launches new large HMO and large MUFB offering
Tuesday, 4th July 2023: Demand for rental properties continues to rise across the UK,
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Molo introduces MUFB mortgages
Introducing MUFB to our buy-to-let portfolio Tuesday, 18th April 2023: We are pleased to
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Launching Rapid Remortgages, with approvals within 24 hours
Tuesday, 4th April 2023: We are delighted to launch Rapid remortgage, a new service
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Strategic partnership with ColCap
Australian mortgage lender Colcap further strengthen its partnership with Molo by acquiring 80% stake
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Molo partners with Brilliant Solutions
Wednesday, 26th October 2022: Molo Finance partners with Brilliant Solutions, an award-winning and leading
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Molo expands it’s BTL product range
Thursday, 13th October 2022: We are excited to announce the expansion of our buy
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Molo partners with Colcap financial
Friday, 29th July 2022: We are thrilled to announce our strategic partnership with ColCap
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Molo celebrates with the WOW factor
Molo celebrates with the WOW factor The saying goes, ‘it’s not about whether you
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Molo turns 3
Go Molo, it’s your birthday How time flies! After launching on 23rd October 2018,
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Women in tech: National Coding Week
Women currently account for around 31% of tech jobs in the UK. While the
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Molo joins forces with In Partnership
We are delighted to announce our partnership with In Partnership Group, a growing community
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5 reasons why Friday 13th won’t affect your Molo mortgage
Friday the 13th is upon us, a day known for bringing bad luck –
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Women in Finance
Everyone should have the same opportunity to achieve their goals. But while women’s opportunities
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Molo strikes up partnership with Tenet Group
We are excited to announce a new intermediary partnership with Tenet Group, one of
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Why are Molo’s values so important?
Molo’s values are different from other mortgage lenders – from lending to people that
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Molo partners with Paradigm Mortgage Services
We are thrilled to announce a brand new partnership with Paradigm Mortgage Services, one
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Molo joins forces with GetGround, improving Landlord experience
LONDON – 15th July, 2021 – We’re thrilled to announce an exclusive partnership with
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Molo partners with Mortgage Advice Bureau
LONDON – 6th July, 2021 – We are delighted to announce a new partnership
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Molo Values: making sure that everyone matters
The month of June holds plenty of weight when it comes to fairness and
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Who is Molo?
Even if you haven’t had a mortgage before, you’ll probably know the big name
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Molo Partners with Optimus to Enhance Customer Experience
The partnership will see Molo customers access instant conveyancing quotes entirely online. LONDON –
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Molo teams up with Uinsure for tech-led mortgage and insurance collaboration
LONDON – 22nd April, 2021 – Molo Finance has announced an exciting partnership with
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Molo Announces New Partnership with Commercial Finance Brokers UK
LONDON – 1st April, 2021 – Molo Finance is today announcing a new partnership
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What Being a Woman Means at Molo
International Women’s Day took place this week, and it got us thinking about what
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Partners with Mortgage Club
Molo Finance partners with Legal & General Mortgage Club, bringing its unique digitally-led proposition
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Kalifa Review: A note from our CEO
LONDON – 26th February, 2021 – HM Treasury has commissioned a Fintech Strategic Review
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Molo adds HMO Mortgages to product range
Property landlords can now take a mortgage loan with Molo for houses in multiple occupation .
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Molo raises £266m in new funding to expand digital mortgage lending
The new funding will be used to accelerate the company’s growth through additional online lending and investment in its proprietary technology and new product propositions, taking Molo a step closer to achieving its vision of making home ownership easier for everyone.
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Top UK Startups in 2020
We’re delighted that Molo made it into the Startups 100, the longest running index of
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Molo featured in global Fintech Series
#InnovationInFinance, by Innovate Finance Making buy-to-let mortgages more accessible How is fintech making the
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Faster Digital Mortgages
Experian’s Open Banking tech is now live in the Molo journey, enabling customers to
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New contender Molo scores hat trick at Credit Strategy Lending Awards
Molo, the UK’s first fully-digital mortgage lender, wins big at Credit Strategy Lending awards Taking
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A jam-packed 10 months: an update from our Co-founder and CEO, Francesca Carlesi
It’s been a whole 10 months since Molo first launched its mortgage offer to
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