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    Expert Mortgage Advice for Multi-Unit Freehold Blocks

    With first-hand landlord experience, our expert buy-to-let consultants have the in-house expertise to understand the challenges faced by landlords today. We pair this first-hand experience with vast industry knowledge to help you find an edge in today’s challenging market.

    Thousands of landlords trust us with their buy-to-let mortgage needs.

    Here are some of the reasons why:

    Experience and Expertise

    Not only have our consultants arranged thousands of buy-to-let mortgages, but many of them are actually landlords themselves. They use this first-hand experience to understand the nuances of your situation – and then tailor a solution that works for you and your portfolio.


    We’re an independent, whole-of-market broker, with strong ties to high-street and private banks, as well as other specialist buy-to-let lenders with direct access to the decision makers. We survey the entire market, leaving no stone unturned to find the right mortgage solution for you.


    With an average rating of 4.97/5 from more than 1,800 reviews, we offer an outstanding client experience. We insulate you from the rigmarole of the mortgage process so that you can stay focussed on your investments.

    What is a multi-unit freehold block (MUFB)?

    A multi-unit freehold – or multi-unit freehold block (MUFB) can sound complex. In its simplest definition, MUFB means a property split into multiple units on one freehold title. Each unit is self-contained with its own private entrance and separate AST (Assured Shorthold Tenancy). Each unit will have its separate Assured Shorthold Tenancy in place. MUFBs differ to Houses in Multiple Occupation (HMO) properties as HMO’s share the kitchen facility, bathroom and communal space with at least three other tenants.

    A MUFB may include:

    • a block of flats
    • a row of terraced houses
    • a house converted into flats

    Multi-Unit Mortgage Rates and Terms

    The choice of lenders offering a MUFB mortgage is less than a conventional buy-to-let mortgage.

    Each lender has their own criteria and interest rates can be higher than other buy-to-let products.

    We are here to explore the right solution for you and know which lenders will lend.

    What are the benefits of owning Multi Unit Freehold Blocks?

    • Spreads the risk

      With multiple units to let, your exposure to rental voids is shared between the units. If one tenant leaves, you continue to receive the remaining rental income from the other units.

    • Yields

      Rental yields are generally higher than a typical buy-to-let.

    • No licensing

      Unlike HMOs, you do not need a licence.

      It is important to note, there are also pitfalls and MUFBs generally suit more experienced landlords who know the market well.

    Expert mortgage advice you can trust
    Call us on 0800 980 8777 or Arrange a call back or

    Multi-Unit Freehold Block FAQs

    Private Finance