Molo is the first true fully digital direct-to-consumer mortgage lender in the UK. It’s not focused on a marginal improvement of the mortgage process, but instead 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


United Kingdom


Since Dec 2017


Full cycle software development


To create a transparent and fully digital mortgage platform that enables consumers from the UK to get instant mortgages online allowing them to save time and money.



A web platform that consists of 6 main parts:

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


Automated advisory developed to provide customers with 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 a 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 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 has been launched after closing £3.7 million in seed funding. The round was led by Ubon Partners, a Nordic fund specialised in financial services.

  • #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

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Every member of Epseven 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

Amitabh Ghatak

Chief Product Officer of Molo Finance

United Kingdom

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