Specialist HMOs and all MUFBs

For properties which require a commercial valuation such as large HMOs or 1-6 bed HMOs which have a specialist feature, and MUFBs.

Why use Solutions by Foundation for MUFBs and Specialist HMOs?

  • No bedroom limit on HMOs up to 65% LTV
  • HMO or multi-unit freehold block experience not required
  • Only 1 month rental experience required
  • 'Early’ re-mortgages based on market value & available on a mix of MUFB and HMO within the same block can be considered
  • Properties which require a commercial/red book valuation 

At a glance:

Specialist HMOs

  • 7 and 8 beds max loan £1.5m to 75% LTV
  • Large HMOs no bed limit & max loan £1.5m up to 65% LTV
  • Shared utilities can be considered
  • 1 - 6 bed HMOs with multiple kitchens
  • 1 - 6 bed HMOs which require a commercial valuation

At a glance:


  • We can consider Multi-Unit freehold blocks up to 10 units
  • Max loan £1.5m to 75% LTV
  • Max loan £2m to 65% LTV
  • Required to have a commercial (red book) valuation
  • We require no minimum unit square footage for MUFBs