Multi-Unit Block Mortgage Rates

The best MUFB mortgage rates from the UK’s leading lenders, with a range of products for experienced and first-time multi-unit block landlords.

We source MUFB products for small and large multi-unit blocks, for individual and limited company borrowers, with rates starting from 3.14%.

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    The Best MUFB mortgage rates from the UKs leading lenders

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    and many more…

    Multi-Unit (MUFB) Mortgage Rates as of 24th June 2024

    The rates shown below are a selection of the best MUFB mortgage rates as of 24/06/2024. Rates shown are for 2-year and 5-year fixed HMO rates and 2-year tracker MUFB rates.

    Bank Of England Base Rate:

    5.25%

    (next review due 01st August 2024)

    What MUFB rates do we show?

    Top 5 Best Cost MUFB Rates – We show the top 5 best cost Multi-Unit rates based on the actual cost over the initial rate period, inclusive of any lender arrangement fee. These deals typically offer the best value.

    The Top 3 Lowest MUFB Rates – These typically come with the highest lender arrangement fees but can help to keep monthly payments down. Whilst there can be some exceptions, the lowest rates do not typically offer the best deal.

    Compare the best Multi-Unit Block (MUFB) mortgage rates

    The MUFB rates that we show below are rates that reflect the lowest true cost over the initial product term when taking lender arrangement fees into account, based on a loan amount of £200,000.

    2-Year Fixed MUFB Rates

    Top 5 Best 2yr MUFB Rates

    BEST TRUE COST OVER 2-YEARS

    2-year fixed @ 5.03% - (3.5% fee)

    • APRC – 9.70%
    • Lender Fee – 3.5%
    • Maximum LTV – 75%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 4.28% - (5% fee)

    • APRC – 9.70%
    • Lender Fee – 7% Fee
    • Maximum LTV – 75%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 5.30% - (3% fee)

    • APRC – 8.40%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.35%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 6.05% - (1.5% fee)

    • APRC – 8.40%
    • Lender Fee – 1.5%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.35%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 5.84% - (2% fee)

    • APRC – 9.70%
    • Lender Fee – 2%
    • Maximum LTV – 75%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    5-Year Fixed MUFB Rates

    Top 5 Best 5yr MUFB Rates

    BEST TRUE COST OVER 5-YEARS

    5-year fixed @ 5.09% - (5% fee)

    • APRC – 7.50%
    • Lender Fee – 5%
    • Maximum LTV – 75%
    • Standard Variable Rate – 7.85%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.62% - (7% fee)

    • APRC – 8.60%
    • Lender Fee – 7%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 5.06% - (5% Fee)

    • APRC – 8.60%
    • Lender Fee -5%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 5.10% - (5% fee)

    • APRC – 7.80%
    • Lender Fee – 5%
    • Maximum LTV – 65%
    • Standard Variable Rate – 8.35%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 5.64% - (2.5% fee)

    • APRC – 9.00%
    • Lender Fee – 2.5%
    • Maximum LTV – 40%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    2-Year Tracker MUFB Rates

    Top 5 Best Tracker Rates

    BEST TRUE COST OVER 24 MONTHS

    2-year tracker @ 5.99% - (3% fee)

    • APRC – 8.70%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.50%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.74% above the Bank of England base rate, currently 5.25% for 2 years.

    2-year tracker @ 6.39% - (3% fee)

    • APRC – 8.30%
    • Lender Fee – 3%
    • Maximum LTV – 65%
    • Standard Variable Rate – 7.94%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year tracker @ 5.74% - (5% fee)

    • APRC – 9.30%
    • Lender Fee – 5%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.74%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.49% above the Bank of England base rate for 2 years.

    2-year tracker @ 6.94% - (3% fee)

    • APRC – 9.30%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.74%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 1.69% above the Bank of England base rate, currently 5.25% for 2 years

    2-year tracker @ 7.04% - (3% fee)

    • APRC – 9.70%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 9.24%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 1.79% above the Bank of England base rate, currently 5.25%, for 2 years.

    You can request a MUFB quote by clicking the button below or alternately, please call us on 01604 212879

    The following MUFB rates are the lowest rates available, but come with high lender arrangement fees. Often referred to as ‘headline’ rates, these rates will not typically offer the best value over the initial product term.

    2-Year Fixed MUFB Rates

    Top 3 Lowest 2yr MUFB Rates

    2-year fixed @ 3.14% - (9.99% fee)

    • APRC – 10.60%
    • Lender Fee – 9.99%
    • Maximum LTV – 55%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 3.35% - (7% fee)

    • APRC – 9.70%
    • Lender Fee – 7%
    • Maximum LTV – 65%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 3.82% - (7% fee)

    • APRC – 10.40%
    • Lender Fee – 7%
    • Maximum LTV – 65%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    5-Year Fixed MUFB Rates

    Top 3 Lowest 5yr MUFB Rates

    5-year fixed @ 4.25% - (9.99% fee)

    • APRC – 9.20%
    • Lender Fee – 9.99%
    • Maximum LTV – 70%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.26% - (9.99% fee)

    • APRC – 9.20%
    • Lender Fee – 9.99%
    • Maximum LTV – 55%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.62% - (7% fee)

    • APRC – 8.60%
    • Lender Fee – 7%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-Year Tracker MUFB Rates

    Top 3 Lowest 2y Tracker Rates

    2-year tracker @ 5.74% - (5% fee)

    • APRC – 9.20%
    • Lender Fee – 5%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.74%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.49% above the Bank of England base rate for 2 years.

    2-year tracker @ 5.99% - (3% fee)

    • APRC – 8.90%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.50%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.74% above the Bank of England base rate, currently 5.25% for 2 years.

    2-year tracker @ 6.49% - (3% fee)

    • APRC – 8.30%
    • Lender Fee – 3%
    • Maximum LTV – 65%
    • Standard Variable Rate – 7.94%
    • Early Repayment Charges – Yes, during the initial rate period

    To find out more about the MUFB rates shown and other rates available, call us on 01604 212879 or:

    Call Us

    Call us on 01604 212879 and speak to a MUFB mortgage expert

    Email Us

    If you would prefer to email and explain your situation in more detail, email us at:

    enquiry@adeptmortgages.co.uk

    Request a Call Back

    Use our call back form to request a call back and we’ll be in touch

    For more information on Multi-Unit Freehold Mortgages – please visit our MUFB Mortgage Guide

    For HMO mortgage rates – please visit our HMO rates page

    For Limited Company rates – please visit our Limited Company BTL Rates

    For Commercial mortgage rates- please visit our Commercial Mortgage Rates Page

    Below are a selection of some our recent MUFB mortgage enquiries

    20/02/2024

    12 Unit MUFB Above Commercial

    Our client had completed the development of what was previously a ground floor commercial unit with one storey above, by adding 2 further storeys and converting to a Multi-unit block of 12 flats, above the commercial.

    The property was located on a busy high street, in close proximity to other commercial units.

    Terms secured – loan amount £1.022m.

    10/04/2024

    4 Unit MUFB change of use

    Our client owned a 4 unit MUFB which had been used for holiday let purposes. Due to regulatory changes on holiday lets they wished to revert back to standard AST usage. Their current mortgage deal was coming to an end, and they wanted the new lender to complete on the basis they could continue to use the property for holiday let purposes 2 to 3 months post completion, on the understanding it would then be used as a MUFB on standard AST terms. The vast majority of lenders were unhappy to do so, but we secured funding on favourable terms to allow the client to proceed.

    Terms secured – loan amount £410,000

    07/05/2024

    13 Unit MUFB Purchase

    Our client had initially submitted an application to a lender directly for a 13-unit MUFB that had been declined due to its close proximity to a railway line and a Public House.

    After reviewing the property in detail with one of our specialist lenders, we were able to present the client with terms based on a 75% LTV MUFB mortgage.

    Loan amount – £525,000

    09/05/2024

    2 Unit MUFB Purchase

    Our client required terms for the purchase of a converted house to a two-unit Multi-Unit Freehold Block, to be purchased via a limited company special purpose vehicle (SPV).

    The client is a homeowner, and experienced buy-to-let landlord so terms were straightforward to achieve.

    Terms secured – loan amount £94,875.

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    Why do business with us?

    We’re Multi-Unit Block mortgage experts and know lender criteria inside out. We’ll make sure you find the best deal for you.

    Find out more about Multi-Unit Mortgages with our MUFB Guide

    If you would like to find out more about Multi-Unit Freehold Block mortgages our MUFB guide is the perfect place to start.

    We’ll cover all the basics and more of how to finance your MUFB and get the best rates.

     

    • MUFB Lending Criteria
    • MUFB valuation methodology
    • Deposit and Loan To Values
    • Small and Large MUFB’s
    • Experience Requirements – if you are a first-time landlord, you might want to read our first-time HMO guide. (its aimed at HMO’s but the same criteria applies to MUFB’s with regard to experience)
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    Get the best Multi-Unit Block Mortgage rate

    With over 1000 mortgage rates available at any one time and multiple lenders with varying criteria, the best way to ensure you get the best deal is to work with a specialist MUFB adviser. An MUFB expert will:

    • Have a thorough knowledge of the market and provide advice to help you make an informed decision.
    • Will know lender criteria inside out and will help to find the right lender for you.
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    Expert Advice - Zero Broker Fees

    We’ll never charge a fee for our services, including our initial advice and mortgage arrangements.

    If you have a quick question, want a better idea of the rates you might qualify for, or would like to apply for a Multi-Unit Buy To Let mortgage, you can call us on 01604 212879 or request a call-back.

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    Next Base Rate Review - 01/08/2024 (Currently 5.25%)

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      1000+ MUFB Mortgages Rates - Get A Quote

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      • MUFB rates for small and large MUFB’s’s
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      If you'd like to keep updated with latest rates and developments

      MUFB Mortgage News & Updates

      17/05/2024 - Kent Reliance reducing MUFB rates and improved criteria

      From Friday 17th May, KRBS are reducing rates across their buy to let range and introducing lower LTVs of 55% and 65% on 5-year fixed rate products, meaning more options for landlords.

      What’s more, they will be enhancing their MUFB criteria to include up to 20 units as standard!

      Key features across their new MUFB range:

      • Rates from 5.14%
      • LTVs from 55% or 65% on 5-year-fixed
      • MUFBs now up to 20 units
      • Unlimited max loan size
      • AIPs within 24hrs

      09/04/2024 - Precise Mortgages launch new MUFB Products

      Precise Mortgages launch new range for multi-unit properties today.

      Our multi-unit range aims to provide an option for borrowers with lighter levels of adverse credit.

      Key features:
      • Rates from 5.99%
      • 75% LTV
      • Max loan size £1m
      • For customers who fit Tier 1 adverse

      15/03/2024 - Fleet Mortgages Introduces New 65% MUFB Range

      Fleet Mortgages will be introducing a new 65% 5-Year range across their three core ranges: Standard, limited company and HMO/multi-unit block (MUFB)
      They are repricing upwards their 70% and 75% 5-Year Fixed Rate products
      All 2-Year Fixed Rate products and Tracker products will remain unchanged

      20/02/2024 - Paragon releases new 5-year fixed products for MUFB's

      NEW LIMITED EDITION MUFB PRODUCTS

      Available up to 65% LTV, these 5 year fixed rates start from just 4.90%, with both 5% and no product fee options available.

      These limited edition products are available for purchase and remortgages, and all come with free mortgage valuations and no application fees!

      4.90%
      5 year fixed MUFB to 65% LTV
      Product fee – 5.00%
      Free mortgage valuation & No application fee
      APRC – 7.80%

      5.95%
      5 year fixed MUFB to 65% LTV
      Product fee – NIL
      Free mortgage valuation & No application fee
      APRC – 7.70%

      11/01/2024 - HTB reintroduces 2-year MUFB products

      HTB has reintroduced it’s 2 Year Fixed rates across all buy-to-let products, considerably broadening options for clients requiring short-term options.

      This is coupled with a significant reduction in rates across buy-to-let products ensuring your clients maximise affordability across their property portfolios.

      As of today, the following changes apply across our specialist buy-to-let range for cases between £100k to £5m:

      • 2 Year Fixed rates reintroduced across buy-to-let
      • Buy-to-let rate reductions of up to 0.35% with 2 Year Fixed rates starting from 5.84% and 5 Year Fixed rates starting from 6.34%.