We’re the FIRST major lender to…
Tomorrow’s homes are here today We introduced a new proposition offering enhanced affordability for your clients buying Octopus Zero Bills new build homes. Santander is the first major lender to offer an Octopus Zero Bills proposition, which marks our early adoption of supporting our customers to live in the homes of tomorrow, today. What’s Octopus […]
UK Resident Fixed-Rate Products
At Molo, we regularly review our pricing to reflect market conditions and product performance. As part of these reviews, we have now adjusted our UK resident buy-to-let range. From tomorrow, Thursday 23rd July, 2-year fixed rates will increase with rates starting at 3.21%. Key Information: UK Resident Standard BTL: 2-Year fixed rates starting from 3.21% 5-Year fixed rates […]
Greater than 95% LTV JBSP Mortgage
Missed the launch? We’ve uploaded a 10-minute webinar recording so you can watch it at a time that suits you. Discover how this exciting new proposition could help more customers buy or remortgage with support from immediate family members. Watch now. Key highlights Available up to 100% LTV No minimum deposit/equity requirement Residential Purchase or £4£ […]
Don’t assume your client won’t qualify!
Think portfolio landlords start at 3 properties? Think again. Many lenders only class borrowers as portfolio landlords if they own 3 or more Buy-to-let properties. At Mercantile Trust just 1 buy-to-let property qualifies as a portfolio landlord We do not stress test the background portfolio We do not have a cap on the number of Buy-to-Let properties held in the portfolio We […]
New BTL Criteria Enhancements
We’re pleased to announce a series of Buy to Let criteria enhancements that provide greater flexibility for landlords and make it easier to place and progress cases. These enhancements will go live on 20 July, helping you place more business, more easily. These updates remove unnecessary barriers, broaden eligibility, and offer clearer guidance across key […]
Introducing Portfolio Buy to Let
We’re excited to share that from Tuesday 14th July 2026, we’re introducing Portfolio Buy to Let products for loans over £1m. For landlord clients with portfolios of two or more properties: One facility across multiple properties. One Direct Debit, affordability assessment and maturity date. One personal guarantee. No limit on portfolio size. Second charge options […]
Your Go-to for Residential Lending
Loan to income (LTI) limits Our LTI offers up to 6 times the household income for eligible borrowers, for example: Customers with £70k household income could access up to £35k in additional borrowing, if they have a deposit of 20% or more. Even those on lower incomes could benefit. A family with combined income of £45k could […]
Help landlords unlock the potential in their properties
How light refurbishment can help landlords unlock the potential in their properties Traditionally, landlords looking to purchase and refurbish a buy-to-let property have often relied on a bridging loan before moving onto a long-term mortgage. In our latest blog, Roger Morris takes a closer look at our new light refurbishment range, which combines purchase and refurbishment […]
We’ve improved our buy-to-let lending criteria
We’re pleased to announce a series of enhancements to our buy-to-let lending criteria, designed to support a wider range of landlord borrowers and limited company structures, live as of today. What’s new? Foreign Nationals & the right to enter, reside/remain and work in the UK For joint applications, if at least one applicant (primary applicant) is a […]
New International Rates
Please be advised, we have updated our International guide with new fixed rates effective immediately. Non-Resident & Expat 5-year Fixed Rates increased by 0.27% Download the v8.4 International Guides to see the full details on new pricing Non-resident BTL Product Guide v8.4 Expat BTL Product Guide v8.4