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Buy-to-let policy

We do not lend on multi unit freehold blocks.

A MUFB is a property split into two or more self-contained flats (no shared kitchen, bathroom, etc), each let on a single tenancy agreement with its own utilities. These properties are often houses which have been converted into flats, but the building has been left on a single freehold title without the creation of individual leases for each flat. A lender’s security would usually be the freehold title upon which they would place a single mortgage.

If the flats were on individual leasehold titles then we could lend, and would require separate mortgage applications per flat.

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