Molo is the first true fully digital direct-to-consumer mortgage lender in the United Kingdom. It’s not focused on the marginal improvement of the mortgage process, but instead is focused on the complete redesign of the mortgage receiving process to make it easier for people to get a mortgage and significantly decrease the time needed. 

By the use of a tech-enabled platform, Molo enables consumers to get instant mortgage loan approvals online, avoiding paper forms, manual reviews, large banks, brokers, and traditional mortgage lenders.

Amitabh Ghatak

Chief Product Officer of Molo Finance


SINCE Dec 2017




To build a transparent and fully digital web platform that enables consumers from the United Kingdom to get instant mortgages online and allow them to save their time and money.



A web platform that consists of 6 main parts:

Self-written Molo mortgage calculator that provides consumer with the approximate result of the possible offers based on the internal calculations and the personal data provided by user.


Automated advisory developed to provide the consumers with the advice on which products “best suit” their needs and circumstances.


Precise valuation tool to evaluate the real estate and verify people's identities using a photo-based identity document, a selfie, and artificial intelligence algorithms.


Initial offer mechanism that provides the mortgage offer after verifying customer’s credit scores.  Client data verification and the check of credit history, with the additional appliance of the Molo internal lending policies, also happens here.


Legal maintenance tool developed to manage and resolve all the legal aspects of the deal, including all verifications of land lease status and adherence to all mortgage conditions.


Throughout life cycle mortgage management module that holds regular payments, as well as close treatment of arrears cases.


Molo Finance has closed £3.7 million in seed funding. The round is led by Ubon Partners, a Nordic fund specialised in financial services, and will be used to launch the company’s first product release.

  • #1

    Digital mortgage

    The UK’s 1st “fully digital” mortgage solution.

  • 3,7m



    Molo Finance raises £3.7m seed funding to offer a fully digital mortgage.

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Technologies & integrations

Building products people want to see

Every member of Django Stars believes that they’re working for a cause, to build a great solution that will disrupt the market. It’s that feeling of ownership and shared vision that I value the most.


Amitabh Ghatak

Chief Product Officer of Molo Finance

United Kingdom

2018 Top Developers Ukraine at
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