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May 29.2025

2 Minutes Read

MT Finance Lifts Loan Cap on MUFB Deals and Unveils Semi-Commercial Options

MT Finance removes loan cap concept with hand, house model on cubes.

MT Finance Sets a New Standard for MUFB Lending

In a bold move, MT Finance has removed the previous loan cap of £700,000 for large multi-unit freehold block (MUFB) mortgages, now enabling loans of up to £3 million. This shift signifies not just a change in numbers but a remarkable stride towards meeting the evolving demands of property investors and buyers in the complex buy-to-let market.

Why This Change Matters

The recent updates from MT Finance are particularly crucial for financial institutions and service providers aiming to stay competitive. The new loans are available for both individuals and corporate borrowers and extend across five to ten units. This flexibility not only enhances opportunities for purchasing and remortgaging but also speaks volumes about the increasing demand for larger loans in an unpredictable market.

Exploring the Semi-Commercial Mortgage Deal

Alongside the removal of the loan cap, MT Finance has unveiled a semi-commercial mortgage offering. This product caters specifically to properties where the commercial aspect does not exceed 60% of the total property size, allowing for maximum loans of £2.5 million at attractive initial rates. With two- and five-year options at 7.25% and 7.19%, respectively, this new addition widens the scope for investors targeting mixed-use properties.

Future Trends in Buy-to-Let Financing

The expansion of loan options and the introduction of semi-commercial deals could signal broader trends in buy-to-let financing. As landlords continue to adapt their strategies in light of new regulations and market dynamics, products like those from MT Finance are designed to support this evolution. The firm has already increased its maximum loan-to-value (LTV) ratios across its buy-to-let and houses in multiple occupation (HMO) offerings, reinforcing its commitment to backing property investors.

What This Means for Investors

Marylen Edwards, director of mortgages at MT Finance, emphasizes the importance of addressing the needs of property investors. By maintaining an ongoing dialogue with intermediaries, MT Finance ensures that its offerings reflect market trends and investor demand, ultimately opening up valuable opportunities within the property investment landscape.

As the market continues to shift, property investors are encouraged to explore the diverse financing options available to them. With the removal of caps and the introduction of innovative products, now is the time to assess personal portfolios and seek out potential investments that align with these new lending standards.

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MT Finance Lifts Loan Cap on MUFB Deals and Unveils Semi-Commercial Options

MT Finance Sets a New Standard for MUFB Lending

Why This Change Matters

Exploring the Semi-Commercial Mortgage Deal

Future Trends in Buy-to-Let Financing

What This Means for Investors

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