molo

Case Study: Mortgage Software Development for Molo Finance

Molo Finance is a mortgage platform that automates lending process, enabling customers to get personalized offers and make faster decisions. Django Stars built Molo’s end-to-end platform from pre-MVP, delivering architecture, automation, valuation, risk engines.
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molo
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Team
14 team members
Type
Online Mortgage Platform
Industry
Mortgage, Fintech
Platform
Web

About the Project with Molo Finance

  • Django Stars developed Molo’s digital mortgage platform from pre-MVP to a fully functional solution, rapidly building a compliant online mortgage MVP, implementing advanced automation, valuation and credit tools, personalized offer mechanisms, and scalable financial workflows.
  • The platform allows users to complete the full mortgage journey online—from application and identity verification to automated underwriting, property valuation, and receiving tailored mortgage offers within a digital experience.
  • Molo needed a fast, scalable solution to replace manual lending processes, reduce decision times, and ensure full compliance with strict UK regulatory and security requirements.
  • The primary objective was to launch an MVP quickly to validate the fully digital mortgage model with investors, then scale it into a robust, highly automated lending platform capable of supporting rapid growth and high application volumes.
About the Project with Molo Finance

Challenges

Challenges
  • Automate complex mortgage processes traditionally handled manually
  • Build a scalable architecture to support rapid growth
  • Ensure full compliance with UK mortgage and financial regulations
  • Enable fast MVP launch to validate the digital lending mo
  • Deliver a seamless end-to-end online customer experience

Technology Stack

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We Delivered For Molo Finance

  • Developed the MVP in eight weeks, enabling Molo to validate its product and secure early investment
  • Delivered the full digital mortgage application flow with KYC, document handling, credit checks, and personalized mortgage offers.
  • Supported the platform long-term with QA, design, backend/frontend development, and architectural scaling
  • Built automated underwriting, configurable risk-decision engines, and scalable property valuation tools.
  • Created tools for legal and regulatory compliance, including document automation and rule management.

Results of the Collaboration with Molo Finance

  • Molo secured £3.7M in their first funding round immediately after launching the MVP.
  • The platform grew into one of the UK’s leading digital mortgage providers, processing over £600M in applications by 2021 and surpassing £1.8–2B cumulatively by 2024.
  • Automation significantly reduced manual underwriting and valuation workload, supporting rapid scalability.
  • Molo achieved high customer satisfaction (4.9/5 Trustpilot score) thanks to the streamlined digital experience.
  • The long-term partnership allowed Molo to evolve and expand its products, including buy-to-let mortgages with a strong market demand.

Django Stars delivers end-to-end mortgage software development services, helping lenders build fully digital, scalable mortgage platforms that automate underwriting, valuations, compliance, and customer journeys. Our solutions reduce manual effort, accelerate time to market, ensure regulatory readiness, and support sustainable growth for modern mortgage businesses.

Testimonials

They are deeply invested in the success, which ensures their deliverables are responsive to the need and the work is well-managed.

5.0
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