Like HMOs, these higher-yield properties are popular despite added management. Landlords value their flexibility.
A Multi-Unit Freehold Block (to give it its full name) is multiple (ie, more than one) liveable dwellings all on the one freehold title.
So a block of 3 individual flats with all the flats on the same title would be deemed a 3 unit freehold block.
Not restricted to flats however, you can perhaps have 3 houses on all the same the title so would again fall under the MUFB umbrella.
Similar to HMO, given the more specialist property type, lenders typically have their own separate products for MUFB property financing and criteria.
Again with numerous years of experience in these matters, you’re in safe hands to ensure that whichever MUFB fits your property plans, everything is covered off from the outset, before we proceed.
Similar to HMO’s lenders typically are looking for experience but again, there is certainly finance available for first time landlords also.
As you can imagine, in terms of property criteria there are some elements which make MUFB’s more favourable than others, typically focused around how marketable the individual units are in their own right and then the block as a whole.
As always I would talk through the property and your own requirements to ensure that when we proceed the lowest cost, suitable option is being proceeded with.
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At a very general sense, with MUFB’s you typically see what’s called a ‘block value’, which is usually the value of the individual units combined, minus 10% to 20%, dependant on the valuers views.
Of course, there are caveats and indeed some lenders whom under the right circumstances can take the individual unit value.
One such attraction of MUFB’s is the ability to ‘split title’ and finance each flat individually. Every time when I put this forward, a lot of clients seem to think that this is quite a complex matter.
But with potential cheaper Mortgage financing available and indeed more flexibility with the block this is always something I discuss and will certainly show why with the right broker, this is definitely isn’t the case.
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