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Multi-Unit Freehold Block (MUFB) Mortgage

Exclusive rates available. 30% deposit required.

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Maximise Your Borrowing With a Rental Booster.

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Higher interest rates leading to rental/affordability gaps

Landlords are struggling to borrow enough to remortgage their current BTLs or purchase new properties. This is due a shortfall in lenders' rental cover calculation. 

Rental boosting mortgages

Our rental boosting mortgages can provide solutions. Using lenders will favourable rental stress tests and top slicing can boost mortgage lending significantly.  

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Standard vs. Specialist

We can help in the following scenarios: Standard AST, Portfolio landlords, Limited companies, Houses of multiple occupancy (HMOs), Holiday let, Multi-unit freehold block (MUFBs), and Let to buy.

Why Use Our Services?

Our experts can find a suitable mortgage provider.

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Exclusive Products

First Time Landlords

Low Deposit

We have exclusive products not available to the general public and other brokers.

It is more difficult for first time landlords, especially if you are not an owner occupier. We can help.

Our lenders only require a 20% - 25% deposit for your purchase / remortgage.

Multi-Unit Freehold Block Guide:

  • What is a MUFB?

  • Reasons to invest in a MUFB

  • MUFB mortgage vs a standard mortgage 

  • HMO vs MUFB

  • Criteria to be aware of

What is a MUFB?

A MUFB is a group of properties listed on one title, instead of separate leasehold titles. This could be a block of flats, a row of houses or a house converted into multiple self contained units. 

Each property will have its own tenancy agreement, entrance and utilities, however it may have shared areas (such as a hallway).

Reasons to invest in a MUFB

The main reason to invest in a MUFB is the rental. MUFB generally offer much greater returns than standard lets. Due to the high returns - it often possible to borrow extra cash to fund the purchase or to capital raise. 

MUFB mortgage vs a standard mortgage 

  • The interest tends to be higher for a MUFB as It is seen as a more risky investment.

  • Deposit requirements are usually greater - a 30% deposit is typically the minimum.

  • Most lenders typically require some experience as managing a MUFB can be challenging.


A HMO is technically only one property - it contains multiple bedrooms with shared access and utilities. A MUFB comprises of different self contained properties all on one title. 

Criteria to be aware of

There are sometimes limits on the number of unit - normally 6. But there are lenders that will consider more. 

Most lenders have a minimum income of £20,000 - £25,000. Additionally, they may check your bank statements to ensure you have funds to cover any rental voids. 

Most lenders will require you to have experience managing a BTL property (usually at least one year of experience).

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