Molo reduces BTL rates for UK residents by 10bps

09 July 2026

New rates include 2-year fixed rates from 2.85% and 5-year fixed from 4.55%

News Highlights

• Molo cuts Standard BTL rates for UK residents by 10bps
• Two-year fixed rates now start from 2.85% and five-year fixed rates start from 4.55%, available for both individuals and limited company borrowers
• Pricing for specialist products and semi-commercial remains unchanged from 3.01% and 5.65%
• Non-UK resident and Expat pricing from 4.64% and 4.43%

Thursday, 9th July 2026: Molo, the specialist mortgage lender serving UK and overseas landlords, has reduced rates by 10 basis-points (bps) across its UK resident two-year and five-year buy-to-let (BTL) range.

Effective immediately, two-year fixed rates for standard BTL products now start at 2.85% at 75% LTV, while five-year fixed rates are available from 4.55%. The reduced rates are available to both individuals and limited company landlords, further strengthening Molo’s proposition for landlords across its buy-to-let range.

Pricing across its specialist product range, including HMOs, new builds and holiday lets, as well as its semi-commercial offering remains unchanged. Rates start from 3.01% and 5.65% retrospectively.

Rates for non-UK residents and expat borrowers are also unchanged, with pricing available from 4.63% and 4.43% retrospectively, up to 85% LTV.

Molo’s full range of product guides for UK Resident, Non-UK Resident and Expat will be updated and available for viewing from 9th July 2026.

Molo’s Distribution Director, Martin Sims, comments,

“As market conditions continue to evolve, we remain committed to ensuring that our pricing remains competitive. These reductions keep our buy-to-let products attractive for landlord clients whilst maintaining the flexibility and specialist knowledge that brokers have come to demand of Molo.”