Molo launches semi-commercial proposition

12 May 2026

New proposition includes loan sizes from £45k, helping brokers place smaller semi-commercial deals that can often prove harder to place

Tuesday, 12th May 2026: Molo, the specialist mortgage lender for UK and overseas borrowers, has launched a new semi-commercial mortgage proposition for UK domestic borrowers.

The proposition has been designed to support semi-commercial cases involving freehold properties with residential units above commercial premises, including restaurants, newsagents and other mixed-use assets. With loan sizes ranging from £45,000 to £3m, the range aims to give brokers a clearer route for placing smaller semi-commercial deals that can often fall outside traditional lending appetite.

Other criteria include:

• Up to 75% LTV for non-fire-risk properties.
• Up to 65% LTV for fire-risk properties on a case-by-case basis.
• Commercial element not exceeding 40% of the total floor area.
• Available for UK domestic borrowers only.

The proposition is available on 5-year fixed-rate products only, with rates currently starting from 6.55% at 75% LTV and 6.85% at 65% LTV.

This launch follows Molo’s recent announcement that it was extending its strategic partnership with LMS, the UK’s leading provider of conveyancing services, by joining LMS Panel Link. The partnership is intended to bring a more joined-up and reliable post-offer process across the mortgage journey.

Martin Sims, Distribution Director at Molo, said:

“Semi-commercial has traditionally sat in an ‘in-between space’ for some borrowers and brokers. Cases are often too complex for standard buy-to-let underwriting, but at the same time they do not necessarily warrant the heavier process and structure that goes along with large-scale commercial lending.

“There is often a tendency for some smaller semi-commercial cases to fall into a gap where the property itself is perfectly acceptable, but the available lending options are far narrower than brokers and borrowers expect. Often, the complexity of the process ends up outweighing that of the actual deal. This launch is about giving brokers a straightforward route for placing these cases.”

For more information, please visit: Molo Finance