Independent & personal service
98% SUCCESS rate
Access to 1,000+ MORTGAGES
5 star reviews
  • Independent & personal service
  • 98% SUCCESS rate
  • Access to 1,000+ MORTGAGES
  • 5 star reviews

Multi-Unit Block Mortgages

Whatever the scale, we’ll find your made-to-measure mortgage.

When a landlord owns all the flats in one block, this is known as a multi-unit freehold block, or an ‘MUFB’, and needs specialist financing. We have many years of helping our clients achieve this, and is often a progression for a landlord from a traditional single unit letting to say 2 or even as many as 30 flats in one single block.

The flats have either been created with the conversion of an existing house being split up, or a purpose-built block of flats. The benefit is that the risk of rental voids (gaps where rent isn't being paid either through no occupation or non payment by the tenant) are reduced – e.g. if there are 5 flats in your block and one is empty, you still have rents from 4 flats.

Additionally, owning the freehold allows flexibility and control, which landlords of leasehold flats may have found an issue in the past, with freeholders not consenting to home improvements or the type of use of the flat… for example airbnb.

There are some considerations around the size of the flats, how utilities are divided, whether they are individually mortgageable, and this will dictate the specialist lender that would be used to help fund any purchase or remortgage of an MUFB.

Furthermore, it’s vital to engage a broker as these types of mortgages are only available via an intermediary – you won’t be able to go direct to the lenders who fund MUFBs



We’ll support you with round-the-clock service, right through to completion.

Latest Mortage Deals

We’ve picked out some of today’s best mortgage rates to give you an idea which lenders and interest rates could be available to you.

Mortgage Calculator

How much can I borrow?

What is your annual salary?

What is your partner's salary? (If applicable)

Estimated property price

What is your deposit amount?

You could borrow up to:

Loan to value (LTV):

Including your deposit, you could afford a house price up to:

To discuss your options, call us today on 01242 696235 or

Request a call back

When you put down roots,
so do we.

Working with our long-standing charity partner, Gloucestershire Wildlife Trust, we pledge to plant a tree in your name when your mortgage completes.


Trees planted

in the last 12 months


To discover your options, call us today on 01242 696 235 or email

Google Rating