Move forward, with an online mortgage

Get the mortgage you need, easily online. No paperwork. It’s that simple

Move forward, with an online mortgage

Get the mortgage you need, easily online. No paperwork. It's that simple

excellent Trustpilot review

Find the right mortgage for you

Buying a house in the UK? Explore our range of mortgage products.

remortgage your home with Molo

Buy to let

Explore a range of deals for individuals

Limited company

Find the best market rates for SPV loans

See if you could save by switching to a new deal

We’re launching our
1st residential product.

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

Mortgage in Principle

Mortgage 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

Mortgage 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

Rest assured you’re in good hands

Your experience is at the heart of what we do.

+£950M

mortgage applications

Submitted since the
beginning of 2021.

24/7

online access

Check in on your
application any time.

2 mins

Mortgage in Principle

See what you could
borrow, fast & for free.

Hear what people are saying about Molo

We make it easier for people to buy a house with an online mortgage loan

" Have been dealing with Molo for a while now and they're a great lender with an easy to use system. Would definitely recommend giving them a go "

Jamie

United Kingdom

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See what other customers say

Mortgage calculator

See what you could afford to borrow. Use our online mortgage calculator to plan ahead.

Learn more about mortgages

A Mortgage in Principle is a document that a lender can provide to show how much they’d be prepared to lend to you, in principle. A Mortgage in Principle isn’t a formal mortgage offer, and the final lending amount could be different from the amount shown.

You can get an online Mortgage in Principle from Molo, which you can then show to estate agents to prove how much you could afford to spend on a property.

The process of buying a house usually takes several months, and can broadly be broken down into the following stages:

  1. Get your finances in order (including deposit and credit score)
  2. View properties and make an offer
  3. Get a mortgage (with Molo, this is quick and simple)
  4. Appoint a solicitor and surveyor
  5. Agree a completion date, transfer funds and move in!

Getting a mortgage needn’t be complicated. With digital lenders you can see our mortgage rates and apply easily online.

You’ll first need to decide how much you need to borrow, then which type of mortgage you need (eg. fixed or variable rate).

You’ll need to provide some information about your finances and your property. This will form your application, which your lender will review. If approved, the mortgage can begin on your required date.

To get a mortgage, you’ll need to demonstrate you have a history of paying your debts. Credit scoring agencies store this information and share it with lenders when you apply for a mortgage.

If you have a good credit history, you’ll be given a higher credit score. The higher your credit score, the better your chance will be of getting the mortgage deal you want.

Credit scores for mortgages are important. You can check your score online using one of the credit scoring agencies, and take steps to improve it if necessary. 

Get a Mortgage in Principle

Find out how much you might be able to borrow from us.

It’s free

Getting your Mortgage in Principle is free and shows how much we are able to lend you.

It won’t affect your credit score

We make a “soft” check with our credit agency partners, wihch means the results won’t impact your credit score.

It takes under 2mins

Get your Mortgage in Principle in less than two minutes, straight from your computer or phone.