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Our trusted lender partners offer access to thousands of mortgage deals across the UK market

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What is a MUFB Mortgage?

A MUFB mortgage is designed for a freehold property divided into multiple self-contained units — such as a block of flats — that are all held under a single title. These mortgages are specifically structured to help landlords and investors finance larger, more complex property types that don’t fit standard buy-to-let criteria.

MUFB Mortgages Made Simple

Our panel of specialist partner brokers can help you secure the right finance for Multi-Unit Freehold Blocks (MUFBs). Whether you’re purchasing a new block, refinancing an existing property, or expanding your investment portfolio, we make the process simple and stress-free.

With access to lenders experienced in complex buy-to-let and portfolio mortgages, you’ll be matched with tailored options that suit your investment strategy. This ensures you can secure competitive rates while maximising the value of your freehold property.

This service is completely FREE and comes with no obligation.

Finance for Blocks of Flats

Compare MUFB mortgages for freehold properties split into multiple self-contained units under one title — ideal for blocks of flats.

Portfolio-Friendly Lending

Flexible options for purchase or refinance, with products suited to portfolio landlords and larger multi-unit investments.

Specialist Broker Support

Get guidance from FCA-regulated brokers who understand MUFB criteria and can help you secure the most competitive rates.

We work only with FCA-regulated mortgage brokers, giving you peace of mind that your details are safe and your enquiry will be handled quickly and professionally.

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Our Promise to You

Free, transparent, and built around your needs.

Our service is completely free to use. If you choose a mortgage from one of our partners, we may receive a commission — but our priority is always to provide clear, unbiased guidance so you can make the right decision for your investment.

process

A Simple, Stress-Free Process

No obligation. No hidden costs. Just expert help.

1. Share your property details and finance goals

2. Get matched with a specialist broker who understands your needs

3. Receive tailored mortgage options and ask questions before you decide

MUFB Mortgages – Find the Best Rates for Your Investment

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FAQS

What is a Multi-Unit Freehold Block (MUFB)? +
A freehold property containing multiple self-contained units, such as a block of flats, all held under one title.
How is a MUFB different from an HMO? +
MUFB units are self-contained with their own kitchens and bathrooms. HMOs have shared facilities.
What deposit is required? +
Typically 25–35% depending on the lender and block size.
Can MUFBs be financed under a limited company? +
Yes, many landlords use SPVs for MUFB investments.
Do lenders require experience? +
Most prefer landlords with existing property portfolios, especially for large blocks.
How do lenders calculate rental income? +
Usually based on the total rent across all units, subject to stress tests.
Are MUFB mortgages available with mainstream banks? +
Not usually, they’re mainly offered by specialist lenders.
Do I need separate tenancy agreements for each flat? +
Yes, lenders typically expect formal AST agreements for each unit.
What if one unit is vacant? +
Lenders stress-test affordability to account for potential void periods.
Can I refinance a MUFB to release equity? +
Yes, refinancing is common for portfolio growth.
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