Say hello to outstanding limited company rates

Market-leading deals and new product updates. Act fast to secure incredible rates. Happy mortgaging!

On this page
Our products
Are they right for you?
See how we compare
Customer reviews

Our products for limited companies

All of our mortgages are interest only and calculations below are based on a loan amount of £200,000.

For a personalised illustration, please visit our mortgages page.

Loading...

Find out how much you can borrow

What is your annual UK income?
How much is the property worth?
What is the expected monthly rent?

Based on this information, we could lend you up to:

Loading...
£0

Ready to go? Get a Decision in Principle without affecting your credit score

This is an indication of the amount that you might be able to borrow. The exact amount will depend on the result of a credit check and a property valuation. We will lend up to 80% of the value of the property.

Limited company mortgages: are they right for you?

Recent changes regarding claimable income tax relief on buy-to-let mortgage interest, has left some landlords feeling an extra pinch. As a result, many who sit within the higher tax bracket are choosing to acquire their properties through an SPV Limited Company.

SPVs

Special-Purpose Vehicle (SPV) Limited Companies are non-trading companies, as opposed to the traditional, trading, Limited Companies. An SPV indicates that you are setting the company up for a specific reason (in this case, for property investment).

Why is it so popular?
The main appeal of purchasing as an SPV Limited Company is the allure of more preferable tax rates. A Limited Company can be more tax efficient to those in the higher tax bracket as you pay Corporation Tax instead of Income Tax, meaning relief restrictions and reductions don’t apply. However, landlords paying basic rate tax could end up paying more with a Limited Company than if they’d stuck with a regular buy-to-let mortgage.

SICs

When you register a Limited Company you’ll receive a SIC code from Companies House - a Standard Industrial Classification (SIC) of your company’s economic activities.

At Molo we only lend to companies who carry one or both of the following SIC codes only:

SIC 68100
Buying and selling of own real estate

SIC 68209
Letting and operating of own or leased real estate (other than Housing Association real estate and conference and exhibition services)

For a more in depth look at SPV Limited Company mortgages check our blog ' Read more '.

See how we compare

These are based on borrowing £150,000 over 5 years, when you’re borrowing 75% of the property value. All mortgages are interest-only.

Molo
LendInvest
Precise
Aldermore
Monthly PaymentInitial RateProduct FeeCost over 5 years
£423.753.39%£0£25,425
£423.753.39%£1,500£26,175
£398.753.19%£3,000£27,270
£472.503.78%£0£28,350

Customer reviews

Don’t just take our word for it, see what our customers are saying about us

Recent articles

Post image
  • Facebook
  • Twitter
  • LinkedIn

New contender Molo scores hat trick at Credit Strategy Lending Awards

Molo, the UK’s first fully-digital mortgage lender, wins big at Credit Strategy Lending awards Taking home more awards than any other winner - ‘Best Online Mortgage Lender’ , ‘Best Brand - Mortgages’ and ‘Gamechanger - Creditor’ . Molo, who’ve just celebrated their first birthday, are already making huge waves in ...

Posted by Molo Finance,

November 14, 2019

Post image
  • Facebook
  • Twitter
  • LinkedIn

Welcome to the UK’s 1st fully-digital multi-director Limited Company mortgage

Molo, the UK’s very first, fully digital, direct-to-consumer mortgage lender has expanded to yet another buy-to-let segment - providing fast, online, totally transparent lending to Limited Companies with up to a total of four directors and/or significant shareholders.

Posted by Molo Finance,

August 29, 2019

Post image
  • Facebook
  • Twitter
  • LinkedIn

A jam-packed 10 months : an update from our Co-founder and CEO, Francesca Carlesi

It’s been a whole 10 months since Molo first launched its mortgage offer to the UK market (we can’t quite believe it!), so, I thought now would be a great time to update you on our journey so far and our plans for the future.

Posted by Francesca Carlesi,

August 27, 2019