Molo cuts BTL rates for UK Residents across standard and specialist ranges

20 January 2026

Molo reduces buy-to-let fixed rates for UK residents by 10bps on its standard BTL range and 5bps across its specialist products
Standard BTL rates start from 2.44% on two-year fixed rates, available for individuals and limited companies
Specialist product rates for HMO, Portfolio landlords, New Builds and Holiday Lets start from 2.70%.
Pricing changes impact the UK resident mortgage range only; Non-UK resident and Expat pricing remains the same

Tuesday, 20th January 2026: Molo, the specialist mortgage lender for UK and overseas landlords, has reduced pricing across its UK resident buy-to-let (BTL) products, by up to 10 basis-points (bps) on its standard BTL range and 5 bps across its specialist products.

Effective immediately, Molo’s new buy-to-let rates start from 2.44% for a two-year fixed, available to both individual and limited companies at 75% Loan-to-Value (LTV). Five-year fixed rates begin at 4.24%.

Specialist product rates, including HMO, Portfolio landlords, New Build and Holiday Lets now start from 2.70% for two-year fixed rates and 4.49% for a five-year fixed, with no premium for larger properties (6+ rooms/units).

Rates for non-UK residents and expat borrowers remain unchanged at 5.84% and 4.75%, respectively.

The latest round of reductions reflects Molo’s continued commitment to improving affordability and supporting brokers and their clients in maintaining competitiveness in a shifting market environment.

Molo’s full range of product guides for UK Resident, Non-UK Resident and Expat will be updated and available for viewing from 20th January 2026.

Molo’s Distribution Director, Martin Sims, comments:

“As rates settle, we intend to maintain a competitive stance. These cuts are intended to demonstrate our commitment to remain responsive to ever changing market conditions. Our simple aim is to make it easier for intermediaries to place client business.”