Move forward, with an online mortgage
Get the mortgage you need, easily online. No paperwork. It’s that simple
Find the right mortgage for you
Buying a house in the UK? Explore our range of mortgage products
Introducing Molo Home: FlexLife mortgages
A fixed long-term loan where payments never change
How it works
Here’s what you need to do to get your mortgage in minutes
Rest assured you’re in good hands
Your experience is at the heart of what we do.
mortgage applications
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Mortgage in Principle
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We make it easier for people to buy a house with an online mortgage loan
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:
- Get your finances in order (including deposit and credit score)
- View properties and make an offer
- Get a mortgage (with Molo, this is quick and simple)
- Appoint a solicitor and surveyor
- 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.