About us

At Molo, we’re delivering the future of mortgages now!
Molo provides specialist mortgage solutions for both UK and overseas customers through our intermediary partners.
Innovation is at the core of our identity, reflected in our:
Our lending proposition is underpinned by market-leading technology.
To date, we have surpassed £500m of mortgages completed and we are just getting started!
Molo is a wholly-owned subsidiary of ColCap Financial UK Limited and is regulated by the UK’s Financial Conduct Authority.
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.
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 realization – 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.
2018

Building a team

Assembled team and started work on development of a technology-driven, automated decisioning engine to power lending

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.

2019

Entering the UK buy-to-let market

Funded our first mortgage: A £50k loan towards the purchase of a house in Salisbury
Received industry recognition: named as Best Online Mortgage Lender, Best Brand, and Gamechanger by Credit Strategy

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.

2020

Fundraising

Closed Series A equity funding round and entered into £250m mortgage funding agreement with institutional investors

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.

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2021

Partnering with intermediaries

Launched with intermediary partners across the market, funding £170m of buy-to-let mortgages within the year

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.

2022

ColCap investment

Entered strategic partnership with Australian non-bank lender ColCap (AUS $16 billion assets under management)

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.

2023

Expanding into non-UK resident mortgages

Partnered with AAA Financial Corporation Pty Ltd (“AAA”) to launch our international lending proposition, lending to non-UK resident borrowers via our intermediary partners.
Launched full affordability assessment for UK resident and non-UK resident borrowers
Launched “mortgage as a service” software solution for a UK bank

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.

2024

Scaling the business

Became a wholly owned subsidiary of ColCap Financial UK Limited and opened our Birmingham office
Completed our debut £300m buy-to-let securitisation (“Molossus BTL 2024-1”)
Exceeded £500m of mortgages completed

Why partner with Molo?

First-time buy-to-let landlords welcome
Extensive range of products
Non-UK resident and expat mortgages
Ready to join?
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Borrowing with Molo from overseas
We welcome mortgage applications from overeseas investors and have partnered with AAA Financial Corporation to process and coordinate non-UK resident buy-to-let mortgages.

Molo and Molofinance are trading names of Molo Tech Ltd, registered in England and Wales no. 10510180. Registered office: 84 Eccleston Square, London SW1V 1PX.

Molo Tech Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register Firm Reference Number 951899.

Molo is a subsidiary company of the ColCap Financial Group, and ColCap Financial UK Ltd that is registered in England and Wales no. 14127877