About MUFB.co.uk
Who runs this site, why it exists, and what the commercial relationships are. All of it stated plainly, because you should be able to judge whose interests sit behind what you are reading.
Why this site exists
Search for anything about multi unit freehold blocks and almost everything you find is published by a lender or a mortgage broker. That writing is often perfectly good, but it answers one question: how do you borrow against a block. It does not tell you how a block is valued two different ways, what the common parts will cost you, which exits are open, or what happens when you want out.
This site is written from the ownership side, by someone who owns blocks, with the professionals who work on them. It exists to give a block owner a straight picture, guides on financing, insuring, running and selling a block, and three clear routes: finance, title split, or sell.
Who runs it
James Lynch
James has owned buy-to-let property since 2012. Before property he was a project manager in highly regulated industries. Today he buys, holds and title splits blocks of flats and mixed-use buildings in the UK: 80 units at August 2026, with 4 more in legals, held through companies anyone can look up at Companies House. He also teaches the title split strategy through The Title Split Consultant Ltd, company number 16847333, and leads every session himself. More on his page at The Title Split Consultant.
The commercial relationships, stated plainly
This site links out to three others, and you should know that they are not neutral recommendations:
| Site | What it is | The relationship |
|---|---|---|
| The Title Split Consultant | Consultancy, group coaching and mentorship on title splitting | James Lynch's own business. If you buy training there, he is paid for it. |
| We Buy Blocks | Buys blocks of flats, mixed-use buildings and portfolios | James Lynch's own buying brand. If you sell a block there, he or his companies are the buyer. |
| Title Split Mortgages | Specialist finance for blocks and title splits | A sister site in the same family, run alongside this hub. Finance enquiries go to a specialist broker. |
Nobody pays to be listed on this site, and nothing here is sponsored.
What this site is not
It is not advice. Nothing published here is legal, tax, financial or mortgage advice, and no article knows anything about your building, your borrowing or your tax position. Everything here is written to help you have a better conversation with your own solicitor, broker, accountant or surveyor, not to replace that conversation.
Rules, thresholds, lender criteria and licensing schemes change, and they differ across England, Wales, Scotland and Northern Ireland. Unless a piece says otherwise it is written about England and Wales, and it carries the date it was last checked.
Write for this site
If you are a solicitor, broker, surveyor, accountant or insurance specialist who works on blocks and would like to write a guide for owners, with a named author box and a link to your firm, email [email protected] with the subject "MUFB guide" and one paragraph on what you would cover.
Corrections
If something here is wrong or has gone out of date, tell us at the same address and we will fix it and re-date the page. That is cheaper than being wrong in public.
Start with the foundations
If you are new to blocks, the main guide covers what a MUFB is, why it has two values, how it gets financed and the four ways out.