Molo, the specialist mortgage lender serving UK and overseas landlords, has reduced pricing across its UK resident buy-to-let (BTL) and semi-commercial ranges, with cuts of up to 30 basis-points (bps).
Effective immediately, Molo’s standard UK resident BTL rates have been reduced by 10bps, with two-year fixed rates now starting from 2.95% at 75% LTV and five-year fixes from 4.65%.
Across its Specialist range, including Portfolio Landlords, Investor-Led and Holiday Lets, rates have been cut by 15bps. Two-year fixed rates now start from 3.01%, with five-year options from 4.69%. Products are available to both individual and limited company borrowers, with no additional pricing applied to larger properties of six or more rooms or units.
Molo has also strengthened its semi-commercial proposition, with the introduction of a new two-year fixed rate starting from 5.65% at 75% LTV. In addition, five-year fixed rates have been reduced by up to 30bps to 6.25%, alongside reductions in product fees. Combined, this lowers the overall cost of borrowing across the semi-commercial range by up to 50bps.
Rates for non-UK resident and expat borrowers remain unchanged, with pricing starting from 4.78% and 4.58% respectively.
The changes reflect Molo’s focus on delivering competitive pricing and supporting brokers as market conditions continue to evolve.
Molo’s Distribution Director, Martin Sims, comments:
“We made these reductions as the market continues to shift and brokers demand that lenders keep pace. Swap rate movements and sustained competition require meaningful reductions.
"We are seeing continued strength in landlord demand, particularly from portfolio landlords looking to remortgage, restructure and capitalise on emerging opportunities. At the same time, semi-commercial is gaining momentum as investors look to diversify their income streams. By lowering rates and overall borrowing costs, we are focused on giving brokers more flexibility and helping them place business effectively in what remains a highly unpredictable market.”
Molo’s full range of product guides for UK Resident, Non-UK Resident and Expat will be updated and available from 18th June 2026.
