The digital mortgage.
Born to change the industry
We are pioneers, creating a completely new way to get a mortgage loan.
We’re Molo, the UK’s first fully digital mortgage lender. Our online solution allows us to make real-time lending decisions via a digital, seamless and transparent journey, giving customers quicker answers, and a better overall experience.
The concept was born in the summer of 2017, when our CEO and Co-founder, Francesca, started looking for a mortgage and realised how slow the whole process was – with heavy reliance on manual, paper-based processes, long decision times and a fragmented value chain.
Sharing her frustration with her friend Leo, a serial co-founder and investor in new ventures, it soon became clear that between them, they could come up with a solution to this problem. After a few months Molo was born! The key question: “If we had to design mortgages today for the first time, thinking only about the customer, how would we do it?”. We’ve started in the buy-to-let market, but we will certainly not be stopping there!
A recognised innovator
We are proud to be part in a fintech docuseries produced by BBC StoryWorks for Innovate Finance.
Leadership Team
Our team has a mix of technology expertise, banking and mortgages experience, and an obsession with customer experience.
Francesca Carlesi
Co-Founder & CEO
Ex-Deutsche Bank,
McKinsey&Co,
Barclays
Amitabh Ghatak
Chief Product Officer
Ex-Karhoo,
William Hill,
Vendigo
Jenny Watts
MD Mortgage Operations
Ex-Habito,
Dynamo Mortgages,
Metro Bank
Alastair Holmes
Credit Risk Director
Ex-Lloyds Banking,
Royal Bank of Scotland
Dennis Volkmann
Chief Marketing Officer
Ex-Airbnb,
Mettle,
Depop
Neeraj Kapil
Chief Financial Officer
Ex-HSBC,
Barclays,
IBM
Swen Nicolaus
Chief Funding Officer
Ex-Funding Circle,
JPMorgan Chase & Co,
Deutsche Bank
Sharon Sohal
Head of People
Ex-Aspire,
Designit,
Interpro
As seen on:
Nothing makes us happier than the positive feedback and repurchases from our customers. We’re also proud to have received several industry awards.
In 2019 we won Best Mortgage Brand, Best Online Mortgage Lender, and Gamechange Creditor at the Lending Awards. We were also shortlisted for the Innovation of the Year by the 2020 British Banking Awards.
What is Molo?
We are an award-winning fintech startup based in London and founded by our CEO, Francesca Carlesi.
Molo is a lender that is reinventing the once tedious and inefficient mortgage lending process by converting it into a quick and transparent digital application, easily usable by mortgage seekers of any level of experience.
We are very excited by the benefits our solutions bring to our customers and with how much we can bring to the mortgage industry.
How is Molo different from a traditional lender?
We are the first fully-digital mortgage in the UK. We aim to deliver a service that is quick, simple, fair and smart:
- Quick – Real time decisions on your application saves you time and money. Getting approval within minutes lets you focus on the things that matter.
- Simple – An easy process with none of the jargon. Forget paperwork and multiple bank appointments. Now you can do it all online at your convenience.
- Fair – No hidden fees. Being transparent and fully digital means that all the savings are passed on to you.
- Smart – With all your information in one place, you’re always up to date and in control. Borrow confidently with no surprises.
Are you a broker? Do I need one to get a mortgage loan with Molo?
We are not a broker, but a lender. With Molo, you can actually get a mortgage directly without having to interact with an intermediary who may charge you a separate fee.
Do you also offer residential mortgages?
We’re working on our residential products now, but launch timings are dependent on two things – ongoing conversations with the regulators, and lots of customer testing.
If you are interested, sign up to https://www.molofinance.com/signup and you’ll be the first to hear when it’s coming.
Join our team!
Check out all open roles on our careers page.
DIGITAL MORTGAGE
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All services are provided by Molo Tech LTD (registered number 10510180.) Molo Tech LTD is registered in England with registered office at 84 Eccleston Square, Pimlico, London SW1V 1PX.
Molo Tech LTD is not regulated by the PRA but has voluntarily adopted the PRA's Supervisory Statement (SS 13/16) on underwriting standards for buy-to-let mortgage contracts.
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