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Molo reduces BTL rates for UK residents

13 August 2026

Standard BTL starts from 3.09% and Specialist products for Holiday Lets & HMO start from 3.19%

News Highlights

Molo reduces rates across Standard & Specialist BTL rates for UK residents by 12bps
Standard: Two-year fixed rates now start from 3.09% and five-year fixed rates start from 4.87%, available for both individuals and limited company borrowers
Specialist products for Holiday Lets and HMO start from 3.19% on two-year fixed rates and 4.97% on five-year fixes
Pricing for semi-commercial remains unchanged from 5.65%
Non-UK resident and Expat pricing from 4.63% and 4.43%

Thursday, 13th August 2026: Molo, the specialist mortgage lender serving UK and overseas landlords, has reduced rates by 12 basis-points (bps) across its Standard and Specialist buy-to-let product ranges.

The latest reductions provide brokers with more competitive options for a wide range of landlord clients, including both individual and limited company borrowers.

Effective immediately, two-year fixed rates across Standard buy-to-let now start from 3.09% and 4.87% on five-year fixed rates. Whereas on Specialist buy-to-let, which includes Holiday Lets, HMO, MUFBs and New Build properties, rates start from 3.19% on two-year fixes and 4.97% on five-year fixes.

Molo also continues to apply no rate premium for larger properties, including HMO / MUFBs with 12 or more rooms or units.

Molo’s Semi-commercial range remains unchanged, with rates from 5.65%. Pricing for non-UK resident and expat borrowers is also unchanged, with rates starting from 4.63% and 4.43% retrospectively, available 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 13th August 2026.

Molo’s Distribution Director, Martin Sims, comments,

“The latest reductions strengthen our support for brokers working across the buy-to-let market. Whether placing straightforward landlord cases or more specialist transactions involving HMOs, holiday lets or larger portfolio borrowers, brokers can continue to access competitive pricing covering a broad range of client circumstances.”