Holiday Let mortgages

Buy a home that you can rent out throughout the year

It's easier to get a Holiday Let mortgage with Molo

Competitive deals for individuals and limited companies

Apply easily online

There’s no paperwork or appointments to worry about.

Faster decisions

Automated decisions lead to faster approval times

Access support

Our team’s on hand to help, whenever you need them.

Enjoy top level service

We’re proud of our Excellent Trustpilot rating.

Am I eligible?

Eligibility for Molo mortgages depends on meeting certain criteria. For Holiday Let mortgages these are

Landlord experience

You can purchase a holiday let with a mortgage from Molo without any prior experience as a landlord. You can also be a first-time buyer


You can apply for a holiday let mortgage as a limited company

Rental income assesstment

Rental income is assessed based on what the property would potentially earn on an Assured Short-hold Tenancy (AST)


Holiday lets can’t be let out as houses of multiple occupation or multi-unit freehold blocks

Property valuation

A physical valuation is required to decide the suitability of the property


No minimum income requirements

How do I get a Holiday Let mortgage?

See how much you can borrow in just a few minutes and start your application

Step 1
Holiday Let deals
Tell us your annual income, value of the property, expected rental and annual income to see Holiday Let mortgage deals that match your search.
Step 1
Step 2
Get a Mortgage in Principle
See how much you can potentially borrow in just two minutes. Even better, it won’t affect your credit score.
Step 2
Step 3
Start your application
Once you’re happy with the mortgage in principle, you can start the application for your Holiday Let mortgage, entirely online.
Step 3

Ready to get started?

Get a mortgage in principle to see how much you could borrow from Molo

What will I need?

Check your eligibility

Before beginning, make sure you meet the criteria above to improve your chances of being offered a Holiday Let mortgage with Molo.

Gather your facts

Molo has one of the most straight-forward mortgage applications out there, but we still need a fair amount of details to get going.

Depending on your application type, you'll need to know things like:

  • Personal details
  • Incomes
  • Credit commitments
  • Details about the property
  • Potential rental income

ID & Documents

We'll need to see proof of ID, as well as evidence of your incomes and financial status.

We ask for the following documents if applicable:

  • Proof of income
  • Source of deposit
  • Residential status
  • Other mortgages
  • The property's EPC
  • Any additional borrowing
  • Proof of rental income ( AST Contract )

How will my mortgage application be assessed?

Once you’ve submitted your application, we’ll take these into consideration.

Financial assessment

We’ll assess your personal financial health. While there is no minimum income, we’ll need evidence of your ability to pay the monthly mortgage payments.

Credit check

A credit check provides insights into your financial stability. This helps us to better understand your creditworthiness and commitment to fulfilling financial obligations.

Property assessment

We’ll assess the property you intend to buy. This will likely involve a property valuation to ensure it’s worth the amount you want to borrow and meets the predicted rental income.

Rental income

Our decision is based on the potential rental income the property could generate under a long-term Assured Shorthold Tenancy agreement. Rental income calculations need to fall between 125-145% of the mortgage payment.

Catherine Airey
Over the moon today following the official mortgage
offer being issued...
United Kingdom • 16 December 2022
Ken F.
James and Natasha have been very responsive and helpful throughout the process.
Most importantly they have keep me up to date at every step and responded promptly to my queries...
United Kingdom • 10 April 2022

Save even more with a Savings Booster account from Molo

With a linked Savings Booster overpayment account, the more you save, the lower the interest charges you pay on your mortgage. For example:

Mortgage balance



Savings Booster



Interest paid on


Mortgage balance



Savings Booster



Interest paid on


offset mortgages uk