Specialist

Mortgage finance for a multi-unit freehold block

For Remortgaging & Buying Investment Property In The UK

HMO-Mortgages-For-Multi-Unit-Properties

Clifton Private Finance

We can source mortgage finance for  a multi-unit freehold property (MUFB) in the UK: from £150,000

Expert advice on your finance options if you're looking to buy a rental property subdivided into a number of separate units
Our buy-to-let mortgage service provides:
  • Advice for first-time landlords
  • A range of finance products for BTL lending
  • Multi-unit mortgages from £150,000
  • Interest-only lending terms available
  • Refurbishment & short term finance options up to 100% LTV with additional security
We can deliver enhanced, bespoke or exclusive terms based on your requirements.  
Call our BTL mortgage team on 0117 959 5094 to discuss your requirements.

FOR MORE DETAILS ABOUT MULTI-UNIT RENTAL PROPERTIES, SCROLL DOWN...

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Mortgage finance for a multi-unit freehold block (MUFB)

Are you an investor looking to get into property management, or expand your property portfolio, by purchasing a building which is subdivided into flats (or could be subdivided into separate units)?

If you’re looking to generate rental income by purchasing this kind of large house (large terrace houses are a common proposition), a purpose-built block, or a substantial property such as an ex nursing home, you have two options.

You could plan to run it as one large HMO, with each AST (Assured Shorthold Tenancy) tenant having their own lockable room and sharing kitchen and bathroom facilities, and possibly some communal areas. In which case you will be looking for a Large HMO mortgage.

Or it may already be divided into flats, of be most suitable for conversion into self-contained rental units, each with one or more bedrooms and their own kitchen, bathroom and shared areas. In which case you will be looking for Multi-Unit Freehold Block (MUFB) finance.

Large HMO or MUFB: which route will you take?

Your subdivision of the property for letting purposes will be dependent on a number of factors:

In an area with an established student population, for example, the council may look favourably on an application for another HMO. But in a quieter residential area, with a mixture of whole-house occupancies and houses subdivided into flats, the council may only consider an MUFB.

What is an MUFB?

A multi-unit freehold block is a single building with multiple, separate, independent residential units owned under a single freehold title: no unit is subject to a lease.

Whether purpose-built or a conversions, these types of rental properties share the following characteristics:

Tenants to target for your units

With the cost of buying a home still rising, the demand for affordable rented accommodation remains very strong. Local listing sites (Gumtree, Zoopla, Rightmove…) will help first-time landlords to assess the strength of demand from prospective tenants:

Call Clifton Private Finance

A specialist buy to let mortgage advisor will be happy to discuss your requirements:

0117 959 5094

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If you have any questions about our services or want to start making things happen please contact us