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Author: Carl Shave-Director
Updated on January 30th, 2024

Multi Unit Freehold Mortgages

What is a multi-unit freehold block?

A multi unit freehold block (MUFB) is one freehold property that is typically split into individual flats with no individual leases.  It can also apply to circumstances such as a row of terraced houses, again under one title.

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Multi unit freehold blocks (MUFBs) can represent a very good investment opportunity whereby extra security can be provided by reducing your exposure to rental voids and typically they can provide a better yield when compared to a single residency buy to let property.

Not to be confused with a house of multiple occupation (HMO) where these will likely have shared facilities, an MUFB will have self-contained units with their own kitchen and bathroom facilities.

Some MUFB facts:

  • One freehold property split into individual units with no individual leases or possibly a row of terraced houses under one title
  • Can be a house conversion or purpose-built block of flats
  • Each unit is completely self-contained
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Benefits of a MUFB mortgage

Being a relatively specialist area of the buy to let sector, obtaining a multi unit let mortgage can come with its difficulties however, for most it is definitely possible.  Sometimes referred to as a multi unit buy to let mortgage, it’s simply knowing where to look.

It can also be useful to know a few of the basics.

  • Usually available up to a maximum of 75% of the property value or purchase price however, on occasion lending up to 80% may be possible
  • Usually also available to first time landlords (FTLs) but typically not first time buyers (FTBs) 
  • Restrictions typically apply to the number of units in each freehold property however it may be possible to find finance on unlimited numbers
  • Loans available for ownership through limited companies or as individuals
  • Interest only or capital and interest repayment methods available
  • Interest cover ratio (ICR) typically based on overall rentable value

Read Our Buy to Let Guide

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Fill out our quick and easy Buy to Let mortgage calculator below. We only require a few details to see how much you may be able to borrow.


How do I apply for a Multi Unit Freehold mortgage?

If you are interested in how a multi unit freehold property could be an option for you, please contact us today and one of our advisers  who are experienced in this sector will guide you through your options.

A Multi Unit Freehold Block (MUFB) is one freehold property that is typically split into individual flats with no individual leases. Contact The Mortgage Centres for more information.

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