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The future of mortgages
At Molo, we’re delivering the future of mortgages now!
Molo provides specialist mortgage solutions for both UK and overseas customers through our intermediary partners.
Innovation is at the core of our identity, reflected in our:
- Competitive product proposition, fitting a wide array of borrower needs
- Flexible criteria, serving UK, expat, and non-resident borrowers
- Digital-first customer experience, saving time and effort along the way
Our lending proposition is underpinned by market-leading technology.
To date, we have surpassed £800 million of mortgages completed and we are just getting started!
Molo is a wholly-owned subsidiary of ColCap Financial UK Limited and is regulated by the UK’s Financial Conduct Authority.
What we do
We specialise in online buy-to-let mortgages, eliminating the need for paperwork or appointments. You can experience the convenience of securing a mortgage within days instead of weeks. Additionally, we collaborate with intermediaries to extend Molo’s reach, ensuring more individuals can take advantage of the seamless online mortgage process.
Our team
Molo’s international team is composed of skilled, dynamic individuals with a shared commitment to revolutionising the mortgage industry through digitalization. Across technology, marketing, compliance and customer services, we’re cultivating a dedicated and ambitious group of professionals poised to redefine the mortgage industry.
Our Team
We’ve put together a multi-national team with years of experience across
mortgages, tech start-ups and customer experience.
LEADERSHIP TEAM
Andrew Chepul
Chairman
Matt Kimber
Chief Executive Officer
Mark Michaelides
Chief Commercial Officer
Rebecca Connor
Chief Technology Officer
Julie Eastty
Head of Compliance & MLRO
Ryan Benton
Finance Director
Paolo Tanca
Treasurer
Sharon Sohal
Head of People (Mat leave)
Lauren Clough
HR Business Partner (Mat cover)
BOARD AND ADVISORS
Andrew Chepul
Chairman
Ilias Pavlopoulos
Non-executive Director
Nigel Batley
Non-executive Director
Matt Kimber
Chief Executive Officer
Our journey
Building a team
Assembled team and started work on development of a technology-driven, automated decisioning engine to power lending
Assembled team and started work on development of a technology-driven, automated decisioning engine to power lending
2018
2019
Entering the UK buy-to-let market
Funded our first mortgage: A £50k loan towards the purchase of a house in Salisbury
Received industry recognition: named as Best Online Mortgage Lender, Best Brand, and Gamechanger by Credit Strategy
Funded our first mortgage: A £50k loan towards the purchase of a house in Salisbury
Received industry recognition: named as Best Online Mortgage Lender, Best Brand, and Gamechanger by Credit Strategy
Fundraising
Closed Series A equity funding round and entered into £250m mortgage funding agreement with institutional investors
Closed Series A equity funding round and entered into £250m mortgage funding agreement with institutional investors
2020
2021
Partnering with intermediaries
Launched with intermediary partners across the market, funding £170m of buy-to-let mortgages within the year
Launched with intermediary partners across the market, funding £170m of buy-to-let mortgages within the year
ColCap investment
Entered strategic partnership with Australian non-bank lender ColCap (AUS $16 billion assets under management)
Entered strategic partnership with Australian non-bank lender ColCap (AUS $16 billion assets under management)
2022
2023
Expanding into non-UK resident mortgages
Partnered with AAA Financial Corporation Pty Ltd (“AAA”) to launch our international lending proposition, lending to non-UK resident borrowers via our intermediary partners.
Launched full affordability assessment for UK resident and non-UK resident borrowers
Launched “mortgage as a service” software solution for a UK bank
Partnered with AAA Financial Corporation Pty Ltd (“AAA”) to launch our international lending proposition, lending to non-UK resident borrowers via our intermediary partners.
Launched full affordability assessment for UK resident and non-UK resident borrowers
Launched “mortgage as a service” software solution for a UK bank
Scaling the business
Became a wholly owned subsidiary of ColCap Financial UK Limited and opened our Birmingham office
Completed our debut £300m buy-to-let securitisation (“Molossus BTL 2024-1”)
Exceeded £500m of mortgages completed
Became a wholly owned subsidiary of ColCap Financial UK Limited and opened our Birmingham office
Completed our debut £300m buy-to-let securitisation (“Molossus BTL 2024-1”)
Exceeded £500m of mortgages completed
2024
Why now?
Molo is the UK’s first, fully-digital mortgage lender, pioneering mortgages underwritten entirely online. Leveraging technology, we offer real-time lending decisions through a seamless and transparent digital journey. We are committed to resolving fundamental issues in the mortgage market, replacing cumbersome processes with efficiency, lack of transparency with clarity of eligibility, and layers of cost with fair value and transparency.
We are dedicated to merging technological innovation and product enhancement to provide our customers with the finest possible mortgage experience.
As seen in
Awards
Celebrating our award-winning products and services
Want to become a Molo-ee?
We’re always looking to expand our team. Do you think you have what it takes to be part of the Molo family?
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Molo Tech Ltd is registered in England and Wales no. 10510180. Registered office: Industrious, Office 405, 4th Floor, 70 St. Mary Axe, EC3A 8BE. Molo Tech Ltd is a wholly owned subsidiary company of ColCap Financial UK Ltd that is registered in England and Wales no. 14127877.