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

Discover our 
FlexLife mortgage

Explore a range of deals for individuals

Find the best market prices for SPV deals

See if you can save by switching to a new deal

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.

+£1.4B

mortgage applications

Submitted in our digital platform.

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

Read more Trustpilot reviews

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. 

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