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The HMO Mortgage Broker

Molo Finance

Molo is the UK's first fully digital mortgage lender, offering a faster and more convenient buy-to-let mortgage experience. They provide a range of products for individual and limited company landlords directly through their online platform.

  • Fully online mortgage process
  • Fast decisions
  • HMOs up to 12 rooms

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Molo Finance HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • No:Offshore companies

Experience and credit

  • No:First-time landlordsMinimum 12 months experience as a BTL landlord required for HMO products.
  • No:No property experience needed
  • No:Adverse credit consideredA good credit history is required. Not suitable for applicants with recent adverse credit.
  • Yes:Borrowers aged 25 to 85

How to apply

  • Yes:Through a broker
  • Yes:Direct to the lender

Frequently Asked Questions

Common questions about Molo Finance and their HMO mortgage services.

What are Molo Finance's HMO mortgage rates?

Molo Finance publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Molo Finance's borrower criteria?

Molo Finance requires experience from experienced landlords. Good credit history is typically required. Minimum age: 25 years, maximum age: 85 years.

Does Molo Finance accept intermediary applications?

Molo Finance accepts intermediary applications. Direct applications are also accepted.

What HMO services does Molo Finance offer?

Molo Finance offers Hmo Mortgages, Hmo Remortgages, Portfolio, Limited Company. Contact us to discuss your specific requirements and find the best solution for your property investment needs.