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 for a portfolio buy-to-let
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
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)
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
Early repayment charges
We apply these charges when you pay above the overpayment allowance for this mortgage
Redemption fee
£150
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
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)
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
Early repayment charges
We apply these charges when you pay above the overpayment allowance for this mortgage
Redemption fee
£150
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
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.