Mortgages

Molo Finance Mortgages

Digital-first mortgage lending with rapid processing and transparent pricing. Buy-to-let products for individual and limited company landlords, powered by technology.

Digital Mortgage Lender

Mortgages built for the digital age

Molo Finance launched as the UK's first fully digital mortgage lender, eliminating the paperwork and delays that characterise traditional mortgage applications. Their technology platform automates much of the assessment process, delivering faster decisions and a smoother borrower experience.

Through Doulton Bridging Finance, landlords can access Molo's digital lending platform with the added benefit of expert broker guidance. We combine Molo's technological efficiency with our specialist knowledge to ensure your application is optimally structured for approval.

Digital

First Approach

Fast

Decisions

BTL

Specialist

Ltd Co

Available

Why Doulton

Expert access to Molo digital lending

Digital-First Lending

Molo Finance was built from the ground up as a digital mortgage lender, using technology to deliver faster applications, quicker decisions, and a more transparent lending experience.

Buy-to-Let Specialist

Molo's core focus is buy-to-let lending, with products designed for landlords who value speed and efficiency. Both individual and limited company applications are supported.

Rapid Processing

Molo's automated systems can process applications significantly faster than traditional lenders, with some decisions delivered within hours rather than weeks.

Transparent Pricing

Clear, upfront pricing with no hidden fees or surprises. Molo's digital platform provides full visibility of rates, costs, and terms before you commit to an application.

Limited Company Products

Competitive products for SPV purchases, supporting landlords who prefer to hold investment properties through limited company structures for tax efficiency.

Remortgage Efficiency

Molo's digital process is particularly well suited to remortgages, where the speed and simplicity of their platform can deliver significant time savings over traditional lenders.

The Process

How it works

Investment Discussion

We review your buy-to-let plans and portfolio to determine whether Molo's digital-first approach and competitive rates are the best fit for your investment.

Product Selection

We match you to the most suitable Molo product, comparing their digital offering against traditional lenders to ensure you get the best overall deal.

Online Application

We submit your application through Molo's digital platform, taking advantage of their automated processing to achieve the fastest possible turnaround.

Completion

We coordinate the final stages with Molo and your solicitor, leveraging their efficient digital processes to bring your mortgage to completion quickly.

Explore Molo digital mortgage options

Fast, transparent, digital-first lending for property investors. Let our team combine Molo's technology with our specialist expertise.

Get a Quote Compare Rates

FAQs

Frequently asked questions

Can I get a Molo mortgage through Doulton?

Yes. We hold broker agencies with Molo where available and can access their intermediary product range. Where Molo is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Molo via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Molo cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Molo offer?

Molo's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Molo can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.