Remortgage to a more stable future

With Molo's FlexLife mortgage you can secure your monthly outgoings with a reliable ong term fixed rate remortgage.

Remortgage long term for peace of mind

Molo Home FlexLife 

Secure your future with an affordable long-term fixed mortgage loan. 

Pay a flat monthly fee that never changes

Benefit from currently low rates for a long term and don’t risk fluctuating mortgage costs in the future

Never remortgage again

Avoid the hassle and potential fees of switching to a new deal every couple of years, or the risk of fluctuating interest rates.

Sell at anytime or take your mortgage with you

Our long term mortgages can be ported to other properties or repaid in full at anytime, without incurring early repayment charges. 

We're here to simplify your mortgage experience

Apply easily online

There’s no paperwork or appointments to worry about.

Faster decisions

Automated decisions allow your application to be approved quicker.

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.

Our rates

The rates below contain a £1,000 product fee included in the loan, for more details on our rates visit our mortgage rates page.

Loan to value

15 years

20 years

25 years

30 years

35 years

40 years

95%

3.70%

3.80%

3.81%

3.87%

3.90%

4.01%

90%

3.48%

3.58%

3.59%

3.64%

3.68%

3.79%

85%

3.29%

3.39%

3.40%

3.45%

3.50%

3.61%

75%

3.15%

3.17%

3.18%

3.24%

3.28%

3.40%

60%

2.92%

2.94%

2.95%

3.00%

3.06%

3.19%

A representative example…
A repayment mortgage of £200,000 payable over 25 years, on a fixed rate of 3.18% for 25 years, would require 300 monthly payments of £972.09 (with the product fee of £1000 added to the loan).The total amount payable would be £292,065.29 made up of the loan amount plus interest and £1000 product fee plus interest (product fee added to the loan). This is based on a purchase price of £270,000, valuation fee of £300, telegraphic transfer fee of £15 and redemption fee of £123.60 (all payable as a one off payment, i.e., not added to the loan). Please note your actual costs and monthly repayments will vary.

Check your eligibility

Find out if you meet our full lending criteria before applying

remortgage your home with Molo

Minimum income

A minimum gross income of £24,500 is required for single applicants and £40,000 for joint applicants

Property must be in England or Wales

We don’t yet provide mortgages for properties in Scotland or NI

Residential status

Applicants must be current residents or citizens of the UK

95% Loan to Value (LTV)

We currently lend up to 95% of the value of the property

Get moving with our handy tools

A range of tools to help you on your way

Find out how to remortgage your home with our latest guides

Do I need to remortgage if I have a long-term mortgage?

Traditionally, people get a mortgage on a fixed rate lasting between 2 and 5 years. Once the initial term ended, the mortgage moved onto the higher standard variable rate (SVR). In order to avoid this, they would remortgage before the fixed period ends.

With a long-term mortgage of 15 years or more, there’s no need to remortgage. That’s because the rate is fixed for the long term, and once the term ends, you will have paid off the loan in full. 

Can I remortgage with a new lender?

Yes, most remortgages happen with new lenders. You are able to remortgage your existing residential mortgage balance with us at Molo.

Depending on your home value and reason for any additional borrowing you may also be able to borrow more than your current balance up to a value of 75% of your home. You can see our full criteria to remortgage and borrow more here.

Can I remortgage online?

With Molo, you can get your remortgage online. That means a faster and easier process than traditional lenders offer, with no paperwork or appointments needed.

How soon can I remortgage?

You can remortgage whenever you like, though charges may incur if you do it during your initial rate period. Most people decide to remortgage when their initial term ends. 

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Hassle-free mortgages with Molo

Your home may be repossessed if you don’t keep up repayments on your mortgage.