Limited company
buy-to-let mortgages

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.

Fast

Submit your Molo mortgage application in less than a day.

Easy

Access your fully digital application anytime, 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  and get started with 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 lend up to 80% LTV, meaning you'll only 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.

You can apply for a mortgage with Molo under your limited company as long as it meets the following criteria:

– A limited company that is set up for the sole purpose of investing in the property i.e. SPVs (Special Purpose Vehicles). The SIC Code must be one of the following: 64305, 64910, 68100, 68209, 68310, 68320. No other SIC codes will be accepted.

– Your limited company has up to a total of 4 directors and significant shareholders (with greater than 25% shareholding). Each director and significant shareholder will need to provide a full personal guarantee.

“SIC” code stands for Standard Industrial Classification code and is a system used by Company House to classify the industry and activities of a company. 
                                                         

Here are the SIC codes we currently accept: 

64305: Activities of property unit trusts

64910: Financial leasing

68100: Buying and selling of own real estate

68209: Other letting and operating of own or leased real estate

68310: Real estate agencies

68320: Management of real estate on a fee or contract basis

 
If you don’t know what your Companies SIC Code is, you can find it by looking at your company overview on Companies House

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. 

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.