Molo reduces BTL rates across UK, non-UK resident and expat products

28 April 2026

UK resident rates start from 2.98%, with non-UK resident and expat rates from 4.58%

News Highlights

Molo reduces buy-to-let fixed rates for UK residents by up to 36bps.
Standard BTL rates start from 2.98% on two-year fixed products, available for individuals and limited companies.
Specialist product rates for HMO, MUFB, new builds and holiday lets start from 3.14%.
Non-UK resident and expat pricing now starts from 4.58%.

Tuesday, 28th April 2026: Molo, the specialist mortgage lender serving UK and overseas landlords, has announced pricing improvements across its UK resident, non-UK resident and expat buy-to-let (BTL) product ranges, enhancing choice for brokers working with professional and portfolio landlords.

The latest pricing strengthens Molo’s proposition for brokers supporting a broad spectrum of landlord clients, from UK-based individual and limited company borrowers to internationally based investors.

Effective immediately, Molo’s UK resident buy-to-let rates now start from 2.98% on a two-year fixed at 55% LTV, available to both individual and limited company borrowers. Five-year fixed rates start from 4.73%, providing longer-term certainty for landlords seeking to manage costs.

Across the specialist range, which includes HMO, MUFB, new builds and holiday lets, two-year fixed rates now begin at 3.14%, with five-year fixes from 4.89%. Notably, there is no rate premium for larger properties, including HMOs with five or more rooms or units.

Pricing for non-UK residents and expat borrowers has also been reduced, with rates starting from 4.78%.

The latest repricing reflects Molo’s focus on maintaining competitive buy-to-let propositions while continuing to support brokers placing both straightforward and more complex landlord cases.

Molo’s full range of product guides for UK resident, non-UK resident and expat borrowers will be updated and available for viewing from 28th April 2026.

Molo’s Distribution Director, Martin Sims, comments,

“In the current market, competitive pricing remains central to helping brokers deliver workable Buy-to-let solutions. These reductions strengthen our proposition across both Standard and Specialist ranges, giving brokers more scope to deliver solutions that work on affordability and long-term yield for UK, overseas and expat landlord clients.”