February 27, 2025

Molo’s International Lending Breaks New Ground in the Buy-To-Let Market

John Smith, Senior business development manager
International investors have long viewed UK property as a prime investment opportunity, yet many qualified buyers face significant hurdles when trying to enter the market. Lenders typically demand extensive UK banking history, income verification and even existing property ownership before considering applications.
Market demand vs accessibility

Across the UK mortgage sector, overseas buyers face increasingly stringent requirements. Most lenders expect substantial deposits – often between  25% and 40% of the property value – alongside extensive proof of income and multiple years of banking records. This creates particular challenges for investors from growing markets in Asia, the Middle East and beyond, who may have substantial assets but lack the required  UK financial footprint.

The verification challenge

For international investors, proving income and creditworthiness can be particularly challenging. Traditional lenders often struggle to assess overseas credit profiles and income sources, leading to rejections regardless of the buyer’s actual financial strength. Even when documentation is provided, lengthy verification processes can cause transactions  to fall through and result in missed opportunities.

Opening new pathways

Molo’s approach to international lending removes the traditional barriers. With loans available up to 85% LTV and no requirement for UK income or bank accounts, the focus shifts to investment viability,  rather than domestic banking history. First-time landlords can also now access the market without prior UK property ownership.

Supporting international growth

The application process benefits from dedicated international expertise, offering  tailored support throughout. This is an approach that has already delivered results, as seen in a recent case where a Chinese national secured a £600,000 loan for their first London property purchase, despite having no UK banking history.

A simpler route to property investment

Current lending criteria can open doors for qualified international investors by offering:

  • No minimum UK income requirements
  • First-time landlord acceptance
  • Choice between ICR or full affordability assessment
  • Wide range of acceptable countries
  • Dedicated international support
“International investment in UK property shouldn’t be complicated by unnecessary barriers. Our focus is on the investment opportunity and the investor’s capability, not just their UK banking history and footprint.”

Martin Sims, Distribution Director at Molo

Building investment opportunities

With dedicated  support and revised lending approaches, international investors now have clearer pathways into the UK buy-to-let market. The shift from traditional requirements to investment-focused criteria  helps qualified overseas buyers build stronger property portfolios.

About Molo

At Molo provides specialist mortgage solutions for both UK and overseas customers through our intermediary partners.

Our mission is to simplify the mortgage process through:

  • Competitive products that cater to a wide range of borrowing needs
  • Flexible lending criteria for UK residents, expats and non-residents
  • A digital-first customer experience, saving time and effort for borrowers and brokers alike.

More details can be found on www.molofinance.com

As wholly-owned subsidiary of ColCap Financial UK Limited, we are proud to be regulated by the UK’s Financial Conduct Authority, ensuring trust and reliability in everything we do.

Our Partners

At Molo, we recognize the value of collaboration in delivering the best outcomes for our clients. That’s why we’ve built a robust network of specialist intermediary partners who share our vision of making mortgages simpler and more accessible.

Our partnership with Fiducia Commercial Network enables brokers with the tools and products to cater to a wide variety of clients needs, including:

  • First-time buyers and landlords, with options for residential and buy-to-let mortgages
  • Specialized lending solutions for HMOs, MUFBs, Holiday Lets, and Airbnbs
  • Loans up to £3 million, with a maximum exposure of £5 million per borrower
  • Flexible criteria, offering up to 80% LTV for eligible products

By combining our market-leading technology and flexible lending criteria, we empower brokers to deliver outstanding solutions for even the most complex cases. Together we’re transforming the mortgage experience and helping clients achieve their property goals.

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About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance ‘Appointed Representative’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years’ experience in commercial finance.

If you’d like to discuss joining Fiducia Commercial Network or you’d like to apply to become an Appointed Representative…

SPEAK TO OUR TEAM

 

To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk