Buy-to-let mortgages for
portfolio landlords

Borrow up to 80% LTV

Explore our benefits for portfolio landlords

Competitive deals for individuals and limited companies.

Competitive products

Benefit from our regular BTL deals as we don’t charge more for portfolio mortgages

Faster processing

Get your mortgage offer faster with automatic valuations

Flexible criteria

Mortgages up to 75% LTV if your portfolio has up to 20 mortgaged Buy-to-lets

Direct to customer

We’re the only direct portfolio lender on the market

Portfolio lending criteria

Find out if you meet our full lending requirements before applying

buy to let portfolio mortgages

Maximum LTV of 75%

We can lend if your portfolio's total LTV is less than 75%

ICR

Minimum ICR of 125% when the mortgage payments are stressed at 5.5%

Maximum number of properties

We lend to portfolios with a maximum of 20 mortgaged buy to let properties. Molo can lend on a maximum of 10 properties in a portfolio.

Your portfolio

We need some information about your properties to underwrite your mortgage, you can fill out this form below and submit it once you’ve finished your application process. 

Our Portfolio BTL rates

The mortgage calculations below are based on a loan amount of £150,000. For a personalised illustration, please visit our mortgages rates

2 Year Tracker

5.29%

Monthly payment
£860.00
Product fee
2.00%
£3,900

True cost
£24,531

LOAN DETAILS

  • Initial rate term
    24 months
  • Loan amount
    £195,000
  • Mortgage term
    25 years
  • Follow-on rate
    4.99%

This is a variable rate made of: a fixed rate of 1.99% above the Bank of England base rate (currently 3%)

Payments

  • True cost
    £24,531.12
  • Initial monthly payment
    24 x £859.63
  • Followed by
    276 x £810.88
  • Total amount to be repaid
    £444,984.00
  • Total interest payable
    £244,434.00
  • APRC
    5.40%

Product cost and fees

  • Product fee
    2.0% of loan
    (£3,900)
This fee is payable before we complete your loan. In some instances you may be able to add the fee to your loan
  • Conveyancing fee
    £1,440

This is an indicative typical fee for dual representation based on the details you’ve given us and assuming a freehold property. It may change if you provide different information later.

You may choose to use your own solicitor instead, but you will need to pay an additional fee for our legal work. There are additional fees you may need to pay.

If you’re applying as a company, we require you to take Independent Legal Advice (ILA).

  • Valuation fee
    £210
You might need to pay for a physical valuation of the property (this fee is only indicative)

Early repayment charges

We apply these charges when you pay above the overpayment allowance for this mortgage

  • Redemption fee
    £150
We only charge this if you pay off your mortgage early or change lender
  • Overpayment
    100%

You may make overpayments up to the amount shown in each 12 month period. Early Repayment Charges will apply for overpayments that go over this limit.

Additional features

  • Cashback
    £500
This is valid until DD Month YYYY. Cashback will be paid within 30 days of mortgage completion.

5 Year Tracker

5.29%

Monthly payment
£860.00
Product fee
2.00%
£3,900

True cost
£55,478

LOAN DETAILS

  • Initial rate term
    60 months
  • Loan amount
    £195,000
  • Mortgage term
    25 years
  • Follow-on rate
    4.99%

This is a variable rate made of: a fixed rate of 1.99% above the Bank of England base rate (currently 3%)

Payments

  • True cost
    £55,477.80
  • Initial monthly payment
    60 x £859.63
  • Followed by
    240 x £810.88
  • Total amount to be repaid
    £446,739.00
  • Total interest payable
    £246,189.00
  • APRC
    5.40%

Product cost and fees

  • Product fee
    2.0% of loan
    (£3,900)
This fee is payable before we complete your loan. In some instances you may be able to add the fee to your loan
  • Conveyancing fee
    £1,440

This is an indicative typical fee for dual representation based on the details you’ve given us and assuming a freehold property. It may change if you provide different information later.

You may choose to use your own solicitor instead, but you will need to pay an additional fee for our legal work. There are additional fees you may need to pay.

If you’re applying as a company, we require you to take Independent Legal Advice (ILA).

  • Valuation fee
    £210
You might need to pay for a physical valuation of the property (this fee is only indicative)

Early repayment charges

We apply these charges when you pay above the overpayment allowance for this mortgage

  • Redemption fee
    £150
We only charge this if you pay off your mortgage early or change lender
  • Overpayment
    100%

You may make overpayments up to the amount shown in each 12 month period. Early Repayment Charges will apply for overpayments that go over this limit.

Additional features

  • Cashback
    £500
This is valid until DD Month YYYY. Cashback will be paid within 30 days of mortgage completion.

Find out more about portfolio buy-to-let mortgages

Do I qualify for a portfolio mortgage?

Criteria varies between portfolio mortgage lenders, and there’s no strict limit. But you typically need to own more than three buy-to-lets to qualify as a portfolio landlord.

At Molo you can own up to 20 other buy-to-let properties, and we can lend to you if your portfolio’s total LTV is less than 80%.

How to grow a property portfolio in the UK?

Growing a property portfolio takes plenty of patience and lots of research. You should identify areas to invest in that meet your budget and provide good yields. Other factors to consider include choosing good tenants, making sure the rental income covers the mortgage and having a long-term plan to turn one investment into multiple ones.