Why Use HMO & MUFB Mortgages

HMO (House in Multiple Occupation) and MUFB (Multi-Unit Freehold Block) mortgages are tailored for higher-yield rental strategies. Whether you manage a single HMO or a portfolio of multi-unit blocks, these specialist mortgages provide long-term finance for properties generating multiple rental incomes.

HMO/MUFB mortgages are perfect when:

✅ You want higher rental yields than standard single lets
✅ You’re refinancing after a bridge, refurb, or conversion
✅ You’re scaling a portfolio of HMOs or multi-unit blocks
✅ You’re buying through an SPV or Ltd company
✅ You need a lender who understands complex rental structures

At The Funding Group, we help new and experienced landlords secure specialist HMO & MUFB mortgages quickly and with expert guidance.

Common HMO & MUFB Mortgage Use Cases

We help landlords fund:

🏘️ Small HMOs (3–6 bed)
🏡 Large HMOs (7–20+ bed)
🏨 Co-living properties with ensuite room layouts
🏢 Multi-Unit Freehold Blocks — from 2 to 30+ units
🔁 Bridge-to-Let exits after refurbishment or conversion
📊 Portfolio refinancing for yield optimisation
🧱 Semi-commercial or mixed-use blocks with residential units

Each lender has specific criteria — we match your property to the right one.

How We Work

Specialist properties require specialist handling — and that’s what we provide.

📞 Initial Chat (Same Day)
We assess the property layout, licensing, rental figures, and your experience level.

📄 Indicative Terms Within 24 Hours
We identify lenders offering the best stress tests, rates, and HMO/MUFB criteria.

🏘️ Valuation & Underwriting
We coordinate valuations, provide rental evidence, and ensure compliance with HMO standards.

💷 Fast Completion
Most HMO/MUFB cases complete within 4–6 weeks, depending on licensing and occupancy.

We simplify every step for you — keeping the process clear and efficient.

Why Investors Choose The Funding Group

We help landlords:

📈 Unlock higher yields through specialist finance
🏘️ Secure funding for HMOs, co-living, and multi-unit blocks
🔍 Navigate licensing, layouts, and lender criteria
🔁 Refinance after refurbishment or conversions
💼 Build scalable property portfolios with the right structure
💡 Access lenders who truly understand HMO/MUFB assets

You get expert guidance from a team that specialises in complex rental properties.

Need an HMO or MUFB Mortgage? We’re Here to Help

We make specialist mortgages simple, fast, and fully supported.

✅ Fast decisions
✅ Tailored guidance
✅ End-to-end support

👉 Get a same-day quote or call 08000 699 500

HMO & MUFB Mortgage FAQs – Answered

How much can I borrow?
Typically up to 75% LTV, depending on rental income, occupancy, and layout.

Do I need experience?
Most lenders prefer at least some landlord experience, especially for large HMOs.

Can I refinance after refurbishment?
Yes — bridge-to-let and BRRR strategies are very common.

What rates are available?
Rates start from around 3-4% depending on property type and complexity.