MULTI UNIT BLOCKS

Finance for multiple rental units on one
legal title

Multi unit blocks are often houses which have been converted into several flats, but left on one legal title. You also see more exotic kinds of property financed this way, an example may be land with multiple separate buildings rented separately.

Multi unit blocks: The facts

Multi unit blocks (MUBs) are generally considered to have higher rental yields like HMOs, though the management of MUBs may be a little easier than a HMO.

Multiple rental units on one title
Up to 85% Loan to Value
Affordability based on rental income of the block
Whole of Market advice

Suitable for:

  • Experienced Landlords
  • First time landlords
  • Those with a 15-25% deposit
  • Limited Company purchases

Not Suitable for:

  • First time buyers
  • Holiday Lets
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Questions you may have.

What is a multi unit block (MUB)?

A multi unit block is a property with multiple self-contained rental units which are on one title. A typical example would be a house converted into four flats.

How large can multi unit blocks be?

Most lenders have a maximum of 8 self contained units, however there are specialist lenders who will accommodate larger properties.

Do I need to be an experienced landlord?

There are lenders who will accept first time lenders.

Can I apply if I have bad credit?

There are lenders who will accept applicants with bad credit, it depends on the specifics.
.

Can I buy into a limited company/partnership?

Yes

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