MUFB Mortgages
Quick and straightforward First and Second Charge Multi Unit Freehold Block (MUFBs) Mortgages
- Loans from £10,000 - £500,000
- Mortgage Term: 3 –30 years
- Adverse credit considered
- Automated valuations (AVM) accepted
- Funds possible in 48 hours
Why choose Mercantile Trust?
With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.
What is a MUFB Mortgage?
A Multi-Unit Freehold Block (MUFB) Mortgage is a type of loan tailored for individuals or businesses looking to purchase multiple self-contained units within a single freehold building. This mortgage enables the buyer to finance the acquisition, using the entire property as security for the loan.
MUFB Mortgages criteria
- Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
- Competitive LTV: Borrow up to 75% loan-to-value (LTV)
- Loan Sizes: Borrow from £10,000 to £500,000
- Mortgage terms: Available from 36 to 360 months
- Age eligibility: Applicants must be at least 18 years old
- Diverse Property Types: Most construction types accepted
- Landlord-Friendly Terms: No minimum income required for existing landlords
- Flexible Repayment: Interest only or capital repayment options
- Product options: Various fixed rate options available, including a 5 year fixed rate with no early repayment charges
Why choose Mercantile Trust for MUFB Mortgages?
Mercantile Trust is a specialist UK lender providing flexible Buy-to-Let mortgages. We manually assess each application, considering the property, rental income and borrower’s circumstances.
What makes us different?
- Dedicated Buy-to-Let specialists
- First and second charge mortgages
- Manual underwriting
- Adverse credit considered
- Individuals and limited companies accepted
- Automated valuations available in some cases
- Specialist properties considered
- Lending throughout the UK including Scotland and Northern Ireland
A clear application process
- No upfront application fees
- No broker fees when applying directly
- No obligation to proceed
- No hard credit check at the initial enquiry stage – we use a soft search, which won’t affect your credit score.
Our Buy-to-Let mortgages are not regulated by the Financial Conduct Authority (FCA), but we remain committed to responsible lending and clear support throughout the process.
Your property may be repossessed if you do not keep up repayments on a debt secured against it.
Application process
1
Submit your enquiry
2
Receive an initial lending decision
3
Property valuation instructed
4
Legal work completed
5
Funds released
Ready to get started?
We are here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.
Let’s discuss how we can help your next investment. Speak to an expert.