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Complex Buy To Let

Zephyr introduces 12-bedroom HMO and MUFB mortgages

Zephyr introduces 12-bedroom HMO and MUFB mortgages
Shekina Tuahene
Written By:
Posted:
October 16, 2025
Updated:
October 16, 2025

Zephyr Homeloans has added mortgages for houses in multiple occupation (HMOs) and multi-unit freehold blocks (MUFBs) with up to 12 bedrooms.

In an extension of the specialist buy-to-let (BTL) lender’s offering, this is an increase from the previous limit of six rooms or bedrooms. 

The new products include a two-year fix up to 75% loan to value (LTV) with a 7% fee for HMOs and MUFBs with 7-12 bedrooms, priced at 3.14%. 

The five-year fix equivalent has a rate of 5.04% and the lifetime tracker option with a 3% fee is priced at 6.29%. 

Paul Fryers, managing director at Zephyr Homeloans, said: “We’re pleased to expand our HMO and MUFB mortgage product range.   

“Our latest products enable brokers to offer their landlord customers greater choice to suit their businesses.” 

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Recent research suggested that HMO landlords received double the gross rental income of their non-HMO counterparts.