Fast and safe, Molo’s award-winning online platform is backed by bespoke technology partners to deliver mortgage loans in days, not weeks.

Our intermediaries and customers benefit from a smart, transparent journey with real-time lending decisions.

We’re delivering the future of mortgages, now. Find out more about our Buy-to-Let and HMO products at molofinance.com.

Eligibility and criteria highlights

  • First Time Buyer First Time Landlord considered
  • Portfolio up to 20 properties accepted. 20 total max. lend by Molo up to £5m
  • Minimum loan set at £45k across the whole range of lending
  • Local Authority with deck access accepted up to 75% LTV
  • New Build up to 75% LTV with max. lend of £1m
  • Flat above commercial considered
  • Let to Buy considered if transaction is simultaneous and client has at least one other BTL
  • Max. loan per property £3m with max. borrowing set at £5m
  • Foreign national clients living in the UK with appropriate visa considered
  • No score card – assessed on Experian Delphi score
  • HMO lending up to 6 bedrooms – student lets and corporate let accepted
  • Assignment of contract considered
  • Investment-led properties considered
  • No maximum age
  • No minimum income

Technology highlights

  • Income and ID verified online
  • AVMs

*Products from Molo Finance can be accessed by using Dynamo for Intermediaries as your payment route. 

Proc Fees

Product Type Gross % Net %
Molo - All Products 0.50% 0.45%
Molo - Product Transfer 0.35% 0.30%
Molo International - All Products 0.55% 0.50%