Molo

Office address: 84 Eccleston Square, London SW1V 1PX 
Website: www.molofinance.com 
Year established: 2017 
Company type: financial services 
Employees: 40+ 
Expertise: fintech, lending, buy-to-let mortgages, HMO mortgages, portfolio BTL mortgages, remortgage options, BTL for first-time landlords, individual BTL mortgages 
Parent company: ColCap 
Key people: Matt Kimber (CEO), Andrew Chepul (executive chairman), Mark Michaelides (CCO), Natalia Roshchupko (CTO), Julie Eastty (head of compliance and MLRO), Neil Jones (financial director), Paolo Tanca (treasurer) 
Financing status: venture capital-backed 

Molo is a fintech company based in London, specialising in digital mortgage solutions and other services. With its fully online mortgage application process, the company offers a range of products that includes buy-to-let and residential mortgages. The online lender has grown to have a workforce of more than 40 employees, with over £1.7 billion in mortgage applications submitted through its platform. 

History of Molo 

Molo was founded in 2017 with the vision of transforming the mortgage industry through digital innovation. In 2018, Molo launched its first digital buy-to-let mortgage product, making it the UK's first fully digital mortgage lender. By 2020, the company had secured Series A funding, which fuelled its expansion and product diversification.  

In 2021, Molo introduced a range of residential mortgage products, further broadening its market reach. ColCap Financial, a prominent privately-owned non-bank mortgage lender in Australia, acquired an 80% stake in Molo in 2023. In 2024, Matt Kimber was appointed as the new CEO, marking a new era of leadership for the company. 

Products and Services of Molo 

Molo provides a range of mortgage solutions that are tailored to meet the needs of the clients. Key offerings include: 

• individual buy-to-let mortgages: tailored for individual landlords purchasing or remortgaging single rental properties, with competitive rates and flexible terms 
• portfolio buy-to-let mortgages: designed for landlords with multiple properties, offering comprehensive financing solutions to manage and expand their portfolios 
• HMO mortgages: catering to landlords investing in HMOs, providing specific financing options to meet the unique requirements of these properties 
• limited company buy-to-let mortgages: for landlords operating through limited companies, offering specialised mortgage solutions to optimise tax efficiency and investment potential 
• remortgage options: allowing landlords to refinance existing buy-to-let properties, potentially securing better rates and terms, and releasing equity for further investments 

buy-to-let for first-time landlords: supporting individuals entering the buy-to-let market for the first time with tailored products and expert guidance 

Culture at Molo 

Molo’s business operations are integrated with values, which guide the company's work environment and decision-making, ensuring consistency and integrity in delivering services. They help create a cohesive culture that aligns the team's efforts towards achieving the company's goals and meeting customer needs. The company’s values are: 

• think big: embracing limitless improvement and striving to exceed the status quo 
• with passion: working diligently with honesty and integrity to reach objectives 
• own it: committing deeply to their mission and tackling challenges with solution-oriented approaches 
• customer champion: always prioritising customers in everything they do 
• better together: embracing diversity, communicating openly, and respecting differences and similarities 

Molo promotes an inclusive workplace, supporting the growth and development of women within the company. It encourages a broader range of perspectives and ideas, leading to more innovative problem-solving and decision-making. Initiatives that reflect the company’s dedication to diversity include:  

• employee testimonials: personal stories and experiences of women in the company highlighting a supportive career and work environment 
• leadership roles: a significant portion of the leadership team is composed of women, showcasing the company's commitment to gender diversity 
• flexible working environment: offers flexible working arrangements, which have been particularly beneficial for female employees 
• career development programs: implemented mentorship and professional development programs aimed at supporting women's career advancement 
• inclusive hiring practices: actively recruits a diverse workforce, ensuring equal opportunities for womencalthy work-life balance, which has positively impacted female employees' overall well-being and job satisfaction 

About Molo CEO Matt Kimber and Key People 

Matt Kimber serves as CEO of Molo, bringing in over 20 years of industry experience. Kimber has held significant roles at CHL Mortgages, Castle Trust, Lloyds Banking Group, MT Diary Solutions, and more. He has extensive expertise in office operations, executive management, strategic planning, data analysis, and FDM, among others. 

The key people who assist Kimber in leading Molo include: 

• Andrew Chepul, as executive chairman, overseeing strategic direction and corporate governance 
• Mark Michaelides, chief commercial officer, leading commercial strategy and market expansion 
• Natalia Roshchupko, serving as chief technology officer, managing technology strategy and implementation 
• Julie Eastty, head of compliance and MLRO, ensuring regulatory compliance and managing money laundering risks 
• Neil Jones, a financial director, overseeing financial operations and planning 
• Paolo Tanca, as treasurer, managing financial assets and liabilities 

The Future at Molo 

Molo is well-positioned to develop its product offerings and operations under the leadership of newly appointed CEO Matt Kimber. His experience in the mortgage industry will guide the company through its next phase of growth and innovation. 

Recently, ColCap and Molo have successfully finalised a £300 million securitisation deal, marking a crucial milestone in their strategic partnership. With its online-focused approach in doing business and recent successful initiatives, the company will continue to expand its market presence and lead the way in the digital mortgage industry.