MUFB Mortgage Broker — Multi-Unit Freehold Block Finance

Our specialty lies in providing tailor-made mortgage solutions for loans over £1 million. Our success is underpinned by our established relationships with private banks, mainstream banks, and specialist lenders. We pride ourselves on our personalised approach, understanding our clients’ unique profiles to match them with the right financial institution.  Our longstanding industry connections often enable us to unlock exclusive deals that transcend typical lending criteria. Clients looking for an expert mortgage broker value our proficiency and dedication to securing the best loan terms.

We thrive on sourcing unconventional mortgages, be it for non-standard property types, self-employment income, or foreign income sources. Mortgages are multifaceted, demanding a deep understanding of the market and strong banking relationships to secure the best deals. As a specialist in complex mortgages, we offer the expert knowledge and professional relationships essential to navigate these challenging scenarios. If there is a solution available for your complex mortgage needs, we will find it.

Our experience spans across a variety of asset classes and client types. From individuals looking to buy their trading premises to large organisations refinancing their commercial real estate portfolios.  We often engage multiple lenders simultaneously, presenting each deal with complete transparency.  As lenders are aware that they are in a competitive tendering process, we encourage the provision of the best possible rates. Our partners experience the difference that our client-centred approach makes in their commercial and real estate financing.

Navigating the complexities of buy to let mortgages can be demanding, particularly when faced with portfolio landlord criteria or seeking financing for an HMO or multi-unit block. As regulations for BTL Mortgages become increasingly complex, it’s more important than ever to have an expert broker to guide you through the diverse criteria on stress tests, property types, and portfolio restrictions. We demystify the complexities of BTL mortgages. We specialise in securing portfolio loans from multiple lenders, resulting in lower rates and higher leveraging.

Business owners encounter distinct challenges when pursuing mortgages, including the need to substantiate income and demonstrate stability. Our tailored mortgage solutions reflect the unique income structures of business owners. Traditional lenders tend to calculate their loan offers based on historical dividends, potentially underestimating the business owner’s real income. By partnering with us, you can take advantage of our expertise in sourcing mortgages designed for business owners. We carefully assess your income, liaising with lenders who consider your profit share, the latest year’s profit, or pre-tax profits to maximise your borrowing potential.

Sourcing the best bridging or development terms requires industry knowledge and expertise. Our team excels in sourcing deals for both non-experienced developers and seasoned professionals. We have access to low-rate bridging loans through strategic partnerships with building societies and private banks. Moreover, we specialise in arranging high-value self-build mortgages, ensuring that your financing needs are met throughout the entire development process. With our guidance, you can embark on your projects with confidence, secure in the knowledge that we will procure the most favourable rates and terms available.

A MUFB mortgage (multi-unit freehold block mortgage) is a specialist buy-to-let mortgage for properties where multiple self-contained residential units sit on a single freehold title. Each unit has its own front door and facilities. The mortgage is assessed on the total rental income from all units and the overall loan-to-value of the freehold property.

With the specialist lenders we work with, there is no maximum number of units. Mainstream lenders typically restrict MUFB mortgages to blocks of 4 units or fewer. Specialist lenders on our panel will consider larger blocks — the assessment is based on rental yield and total loan size, not an arbitrary unit cap.

Standard MUFB mortgages typically max at 70–75% LTV. Through specialist lenders on our panel, we can access up to 85% LTV for qualifying properties with strong rental yield. The exact LTV available depends on the property, the rental income, and the overall loan size.

Yes. SPV limited company applications are available for MUFB mortgages through specialist lenders we work with. The mortgage rates for limited company MUFB applications differ from personal name applications. We can advise on both routes and the criteria each lender applies.

An HMO (House in Multiple Occupation) has shared facilities — typically shared kitchens and bathrooms — and is rented on a room-by-room basis. A MUFB has self-contained units, each with its own kitchen and bathroom, rented on individual tenancies. The mortgage products, lenders, and licensing requirements differ between the two. If you are unsure which category your property falls into, we can confirm and advise on the right product.