HMO & MUFB

HMOs & MUFBs Explained

Unlocking investment potential with Houses of Multiple Occupation (HMO’s) & Multi-Unit Freehold Blocks (MUFBs)

Definitions

HMO

A House in Multiple Occupation (HMO) is a single property rented out to three or more unrelated tenants, typically on separate tenancy agreements. These properties offer:

Higher rental yields due to multiple income streams from individual tenants.
Strong tenant demand in university cities and urban areas.
Stricter licensing and planning regulations, depending on the local authority.

MUFB

A Multi-Unit Freehold Block (MUFB) consists of self-contained units within a single freehold building, such as a block of flats. Unlike HMOs, tenants in an MUFB have separate leases, offering:

Greater flexibility, with units rented individually or sold separately.
Lower management complexity, as tenants occupy self-contained spaces.
Potential for capital appreciation, particularly in high-demand locations.

Why choose ��˾��?

We offer tailored funding solutions designed to support portfolio landlords investing in HMOs and MUFBs.

HMO’s & MUFBs Key lending Criteria

Unlimited - No maximum number of bedrooms or units
Loans up to £20 million with flexible terms.
Up to 75% LTV
Available for Limited Company, LLP’s and Individual applications.
Must have owned a BTL property for at least 6 months

Whether your client is expanding their property portfolio or entering the HMO/MUFB market for the first time, ��˾�� provides expert financial solutions tailored to your needs.

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Why Global Investors choose ��˾��?

Flexible Finance for HMOs & Multi-Unit Blocks

We lend on HMOs and Multi-Unit Blocks with no limit on bedrooms or units — offering flexible funding for even the most complex investment properties.

High loan amounts

Borrow up to £20 million, with competitive terms and up to 75% loan-to-value.

Flexible asset classes

We fund a wide range of properties including HMOs, MUBs, and mixed-use developments.

Complex structures considered

We support SPVs, offshore entities, and discretionary trusts - ideal for sophisticated investors.

Tailored lending solutions

Dedicated underwriters and fast-track approvals give you clarity, speed, and confidence.

Why Portfolio Landlords are Investing in HMOs & MUFBs

Both HMOs and MUFBs provide portfolio landlords with diversified income streams and strong long-term returns. Investors are drawn to these asset types for:

Higher rental yields compared to standard buy-to-let properties.
Reduced void periods, as multiple tenants ensure a continuous cash flow.
Increased demand in key urban and student markets.
Portfolio scalability, enabling landlords to build wealth efficiently.

FAQ's

Find quick answers to all your ��˾�� queries! Explore our FAQ section for guidance on accounts and More

Frequently Asked Questions

What types of HMO and MUFB properties do you lend on?

We consider a wide range of HMO and MUFB properties, including student lets, professional house shares, and freehold blocks with multiple self-contained units. We’re also open to complex and mixed-use scenarios.

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Do you lend to first-time HMO or MUFB landlords?

Yes, we welcome both experienced and first-time landlords. We assess each case individually and consider the overall strength of the applicant and the quality of the asset.

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What is the maximum loan amount and LTV for HMOs and MUFBs?

We offer loans of up to £20 million, with a maximum loan-to-value (LTV) of 75%. Our lending is flexible and relationship-led, and we take a pragmatic view on more complex structures.

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Are limited companies and Special Purpose Vehicles (SPVs) eligible to apply?

Absolutely. We lend to individuals, limited companies, and Special Purpose Vehicles (SPVs) – including those with complex ownership structures or offshore elements.

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Do you accept applications from Foreign Nationals or Expats?

Yes, we consider applications from Foreign Nationals and Expats, and UK residency is not required. We understand the unique needs of international investors and structure our solutions accordingly. UK bank account required.

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