MUFB Mortgage Rates 2026 — Updated October 2026
- MUFB mortgages
- From c.5.5%MUFB mortgages
- Typical max LTV
- 75%Typical max LTV
- Rental cover
- 125%–145%Rental cover
- Last updated
- October 2026Last updated
A multi-unit freehold block is several self-contained flats on one title. In October 2026 specialist lenders price MUFB mortgages from about 5.5%, typically 0.3%–0.8% above standard buy-to-let, and value the block on rental income as well as bricks and mortar.
What a MUFB mortgage costs: worked example
- Annual interest
- £67,200 a year
- Minimum gross rent at 125% cover on a 6.0% stress rate
- £90,000 a year
£1,200,000 interest-only at 5.6%
Rates rose in September — lock in today, review before completion
The figures above are indicative and describe the best case. Send your own scenario and we will come back the same working day with terms from the lenders that actually fit it.
- Enquiry type
- Mortgage
- About
- MUFB Mortgage Rates
No upfront fees on loans over £1m.
Enough detail to price it is the amount, the security, the purpose and how you plan to repay. The rest we can fill in on a call.
Whole of market · 130+ lenders · FCA 814533 · Same working day response
Rate context and outlook
The Bank of England held Bank Rate at 3.75% on 17 September 2026, its sixth consecutive hold, but three of nine MPC members voted to raise it to 4.0%. The Committee warned policy may have to tighten if the Middle East conflict persists.
Fixed rates are priced from swap rates, and the 2-year swap rose from 4.26% on 3 September to above 4.70% by mid-month, so most major lenders repriced fixed rates upward two or three times in September. The next decision is on 5 November. If your deal ends in the next six months, securing a rate now and reviewing it before completion is the lower-risk approach.
Reviewed by David Doulton, Director, Doulton Bridging Finance — over 20 years in property finance. Last reviewed 1 October 2026. Doulton Money Ltd t/a Doulton Bridging Finance, FCA No. 814533.
Frequently asked questions
How many units make a MUFB?
Usually two or more self-contained flats on one freehold title; many lenders cap at 10–20 units.
Is a MUFB valued on rent?
Often on an investment basis, which can differ from the sum of individual flat values.
Can I split the title later?
Yes, which can add value, but it needs lender consent.
How much can I borrow?
Usually 4 to 4.5 times income, with some lenders going to 5 or 5.5 times for higher earners and certain professions, subject to affordability.
How long does a mortgage take?
A mortgage in principle takes minutes to a day; a full offer usually takes 2–4 weeks from application.
Is a lower rate with a high fee better than a no-fee deal?
It depends on the loan size. On smaller loans the no-fee deal often wins; we compare the total cost over the fixed period.
How early can I remortgage?
You can secure a new deal up to six months before your current one ends.
What documents will I need?
ID, proof of address, 3 months' payslips and bank statements, or 2 years' accounts or tax calculations if self-employed.
Where this applies
Talk to us about
Most buy-to-let mortgages are not regulated by the FCA. Your property may be repossessed if you do not keep up repayments.
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Independent whole-of-market advice · FCA No. 814533