One asset, several incomes
The simplicity of a single freehold with the cashflow of several separate units, and a void in one flat does not empty the whole building. Sell the block, the units, or a portfolio when it suits your strategy.
Multi unit freehold blocks • UK landlords
One hub for owners of blocks of flats: sell, finance or title split.
Whether you own a multi unit freehold block, a block of flats, a mixed-use building or a portfolio inside a limited company, this is the place to understand what you have got, what it is worth two different ways, and which of the three routes fits: specialist finance, a title split, or a sale to buyers who understand blocks.
Finance
Mortgage and bridging finance for blocks, mixed-use and portfolios, through a specialist broker.
Title split
Learn how to split a block into individually mortgageable, saleable flats, from an investor who does it.
Sell
Blocks, mixed-use and portfolios bought from under £200k to over £10M, with tenants in place or without.
What is a MUFB?
Multiple self-contained units, one freehold.
A multi unit freehold block is a single freehold property divided into several self-contained flats or studios, all held under one title but usually let on separate tenancies. One purchase, one title, several incomes. Read the full owner's guide.
More than one way out
Hold the block long term, title split it into individual leasehold flats, refinance unit by unit, or sell the whole block or portfolio to another investor, including a sale from a limited company or SPV.
A specialist finance market
Most high street buy-to-let lenders do not do blocks. Specialist lenders look at the building as an investment, with their own criteria on unit mix, tenancy type and experience. Criteria move, so check the current position with a broker.
Choose your path
Sell, finance or title split your MUFB or block of flats.
Three routes, depending on what you need right now: specialist block finance, title split education, or a direct route to buyers who understand blocks.
Finance
Arrange MUFB-friendly finance
Mortgage and bridging options for buying or refinancing multi unit freehold blocks, mixed-use property and portfolios, with a broker who knows lender criteria on blocks and can structure the deal, whether it is your first block or your fifteenth.
Visit Title Split Mortgages → Title splitLearn how to title split a block
Splitting a block into individual leasehold titles, structuring the leases and lifting the value, whether you plan to sell the flats one by one, sell the whole block, or refinance and hold. Consultancy, group coaching and mentorship from an investor who buys blocks.
Visit The Title Split Consultant → SellSell a block, mixed-use or portfolio
If you want to sell a multi unit freehold block, a block of flats, a mixed-use building or a portfolio, We Buy Blocks connects you with buyers who understand blocks and can complete quickly, with tenants in place or without.
Visit We Buy Blocks →
Guides
Straight answers on blocks, from people who own them.
Almost everything written about MUFBs is written by someone who wants to lend on them. These guides are written from the owner's side of the table: financing, insuring, running and selling a block here, and the title split strategy on The Title Split Consultant.
Start here
What is a multi unit freehold block?
The full owner's guide: what counts as a MUFB, why a block has two values, how blocks are financed, the four ways out, and what makes them harder work than a single let.
Read the guide → FinanceFinancing a block of flats
Why the high street says no, how a block lender looks at the rent roll, the building and you, the three product families, and when a bridge comes first.
Read the guide → InsuranceInsuring a block of flats
One policy for the whole building, the rebuild value basis, what you must declare, and what changes when you title split.
Read the guide → Running a blockThe freeholder's duties in a block
The fire risk assessment of the common parts, the per-flat landlord duties, licensing, who pays for the common parts, and the compliance file.
Read the guide → SellingSelling a block of flats
Which of the two values you are selling, who actually buys blocks, the four ways to sell, and the pack that makes a buyer say yes.
Read the guide → ValuationHow a valuer decides what split flats are worth
Investment value against the sum of the parts, what makes a comparable stand up, and the traps that kill deals.
Read on The Title Split Consultant → FinanceCan you get a mortgage on individual flats in a split block?
The two finance routes, what changed in 2026, what the fees add up to, and where these deals get stuck.
Read on The Title Split Consultant → LicensingBlock of flats, or a Section 257 HMO?
A converted block is only a Section 257 HMO if three tests are met at once. Here they are, plus the licensing trap most landlords miss.
Read on The Title Split Consultant → Title splitThe title split process, step by step
The three routes, the two-company structure every split needs, and the eight steps from first look to registered titles.
Read on The Title Split Consultant → BuyingWhat to look for in a block before you offer
Freehold, flat sizes, utilities, mixed use, the compliance paperwork to demand early, and the buildings to leave alone.
Read on The Title Split Consultant →
Who this hub is for
Built for UK landlords and portfolio owners.
Use this site whether you are just exploring blocks or working on a live sale, refinance or title split of a block of flats, a mixed-use property or a portfolio held in a limited company.
Portfolio landlords
Scaling from single lets and small HMOs into blocks of flats and mixed-use buildings, either as long-term holds or as trade deals where the whole block or portfolio is sold in one transaction.
Developers and deal packagers
Converting buildings into multiple units, preparing blocks for a title split, or packaging block opportunities for investors who want ready-made blocks and portfolios.
Professionals around the table
Brokers, solicitors, surveyors, planners and accountants who want a simple place to point clients for block-specific education, finance and a clean route to sell.
Quick answers
Common questions about blocks, selling and title splits.
Short answers here, the full ones in the guides. Always take independent tax, legal and mortgage advice before committing to a purchase, refinance, split or sale.
What is a MUFB?
A single building on one freehold title, divided into several self-contained flats, each with its own kitchen, bathroom and front door and normally let on its own tenancy. One title, one owner, several incomes.
Is a MUFB the same as an HMO?
No. In an HMO tenants rent rooms and share a kitchen or bathroom. In a MUFB every tenant has a complete home behind their own door. Lenders, valuers, insurers and councils treat the two completely differently, although a converted block can still fall inside the Section 257 HMO licensing rules.
Is a MUFB treated like a normal buy-to-let when I sell?
Not quite. Buyers and lenders treat blocks as specialist assets, with different valuation methods and finance criteria from a single house, which is why selling to experienced block investors is often faster and cleaner.
Do I need to title split before selling?
No. Many landlords sell a block on its single freehold title. Title splitting is a separate strategy that can unlock value or flexibility, but you can sell the whole block or portfolio without it if that suits your timescale better.
Can I sell individual flats later?
Yes, once separate leases and titles have been created for the flats. That means legal work, lender consent and planning around tax and refinance before you start selling units.
Can you get a normal buy-to-let mortgage on a block?
Usually not. Mainstream buy-to-let products are written for a single dwelling on its own title. Blocks go to specialist lenders who assess the building as an investment. Criteria change, so check with a broker who places block finance.
Can I sell from a limited company or SPV?
Yes. You can sell the properties, the company itself, or a portfolio, and the right route depends on tax, finance and buyer appetite, so specialist advice is essential.
Got a block and not sure which route?
Read what a MUFB is and the four ways out, then pick the path above. If you are weighing a split against a sale, The Title Split Consultant offers a free fifteen minute call.
Ready to move on your next block decision?
Arrange finance, learn the title split strategy properly, or talk to buyers if you are ready to sell a block, a mixed-use building or a portfolio.