| Characteristic | Vanilla buy-to-let | Houses in multiple occupation (HMO) | Multi-unit freehold blocks (MUFB) | Semi-commercial property (SCP) |
|---|---|---|---|---|
| - | - | - | - | - |
| - | - | - | - | - |
| - | - | - | - | - |
| - | - | - | - | - |
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February 2020
United Kingdom
Q4 2016 to Q4 quarter 2019
The source adds the following information: "A house in multiple occupation (HMO) is a property that is rented out by at least 3 people who are not from 1 ‘household’ (for example a family), but share facilities such as the bathroom and kitchen.
Multi-unit freehold blocks (MUFB) This is a single building with multiple, separate, independent residential units owned under a single freehold title. Examples include purpose-built blocks of flats or Victorian/Edwardian houses converted into flats.
Semi-commercial property, also known as mixed use investments, as both names suggest these properties are made up of part commercial and part residential elements, typically shops or offices with flat above.
Vanilla buy-to-let - these are standard buy to let transactions. Properties in this category tend to be normal 2-3 bed houses and 1-2 flats. Both borrowers and properties fit the general lending criteria for off-the-shelf products offered by the mainstream buy to let lenders."
