Say hello to a fast, simple, fair way to mortgage

No paper, no appointments, and quick decisions. Happy mortgaging!

Why go Molo?

Using the power of technology to make smart, secure, real-time lending decisions, we’re changing the way people get mortgages, for good.

fast

The new way to mortgage

Our purpose-built, multi-award winning digital mortgage lending platform means no paperwork, no appointments, no weeks of waiting for a decision and full transparency.

simple

A fully online process

We use the smartest in UK mortgage tech and general (still incredibly epic) tech to run checks, evaluate your property, verify your ID and even underwrite your mortgage, getting you a fair mortgage offer, fast.

fair

Leading the UK mortgage revolution

Launched in October 2018 we’re proud to be the UK’s first direct-to-consumer, fully-online mortgage lender, paving the way for positive industry change and a simpler way to mortgage.

See how much you could borrow

See how we compare

This is our limited company mortgage, 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

How it works

  • Check eligibility

    Answer a few questions about you and what you think you'd like to borrow

  • Decision 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

  • Check eligibility

    Answer a few questions about you and what you think you'd like to borrow

  • Decision 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

Eligibility

Quickly check you meet our current eligibility

individual

Personal

  • Buy-to-let purchase or remortgage only

    We don't yet offer residential mortgages.

  • No portfolio landlords

    You must not already have 4 or more mortgaged buy-to-let properties.

  • Property must be in England or Wales

    We don’t yet provide mortgages for Scotland.

company

Limited companies

As personal, plus:
  • Special Purpose Vehicles (SPV) limited companies only

    Companies must be Real Estate SPVs registered within England or Wales.

  • Maximum of 4 directors or shareholders

    Each director or shareholder must provide a full personal guarantee.

Reviews

Don't just take our word for it. See what customers are saying about Molo

As seen in

  • Techcrunch logo
  • Forbes logo
  • Financial Reporter logo
  • UK Tech News logo
  • Mortgage Solutions logo
  • The Times logo