---
title: "12-Unit MUFB, Wolverhampton"
description: "See how a client secured a 90% LTV portfolio buy to let mortgage on a £950,000 12-unit MUFB purchase in Wolverhampton, completing in 7 weeks."
url: "https://mortgagelane.com/case-studies/mufb-purchase-wolverhampton"
site: "Mortgage Lane"
collection: "case-studies"
date: "2026-09-25"
author: "Seren Norton"
category: "Case study"
reviewed: "2026-10-15"
reading_time: "4 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# 12-Unit MUFB, Wolverhampton

See how a client secured a 90% LTV portfolio buy to let mortgage on a £950,000 12-unit MUFB purchase in Wolverhampton, completing in 7 weeks.

See how a client secured a 90% LTV portfolio buy to let mortgage on a £950,000 12-unit MUFB purchase in Wolverhampton, completing in 7 weeks.

## Case study

Speak to a Mortgage Lane adviser about your options.

## In short

Mortgage Lane arranged 90% borrowing against the £950,000 purchase price of a 12-unit multi-unit freehold block in Wolverhampton, using a portfolio buy to let mortgage with no title split.

A contact on Mortgage Lane’s valuation panel advised that in this area the aggregate split value would not exceed the block value, so the planned title split was dropped. The formal valuation returned a block value of £1,188,000, and the case completed 7 weeks after decision in principle with a 10% deposit.

## 12-unit MUFB, Wolverhampton: 90% LTV secured after a title split unviable

An established portfolio landlord came to us with a 12-unit freehold block in Wolverhampton and a plan to bridge, split the titles, and exit onto a term mortgage at a higher value. The numbers didn’t support that plan, so we found a route that didn’t need a split at all.

**We secured 90% loan to value against the purchase price, letting our client acquire a £1m+ asset with a 10% deposit and no title split, completing in 7 weeks from decision in principle.**

## Case overview

*Case overview*

| Detail | Summary |
| --- | --- |
| Property type | 12-unit multi-unit freehold block |
| Location | Wolverhampton |
| Purchase price | £950,000 |
| Original strategy | Bridge, split titles, exit to term at higher GDV |
| Revised strategy | 90% LTV portfolio buy to let lending, no title split |
| Confirmed block value | £1,188,000 |
| Loan secured | £855,000 (90% of purchase price) |
| Deposit required | 10% |
| Time from DIP to completion | 7 weeks |

## The scenario

Our client approached us with a 12-unit multi-unit freehold block purchase in Wolverhampton at £950,000. The original strategy, in line with how [portfolio buy to let mortgages](https://mortgagelane.com/mortgages/property-portfolio-mortgages) are often structured on multi-unit stock, was to bridge the purchase, split the titles of each unit, and exit onto a term facility against the higher gross development value the split units would achieve.

## The challenges

- Confirming whether the individual units could actually be resold fast enough, post-split, to meet lender expectations on exit timing
- A local valuer advising that in this specific area, the aggregate split value would not exceed the block’s value as a single asset: the title split strategy the client had planned around wasn’t viable here
- Needing an alternative funding structure that could still achieve high leverage without relying on a split
- Confirming the block’s value, subject to condition, was robust enough to support high LTV lending as a single asset

## The solution

As part of our due diligence, we approached a contact on our valuation panel, who advised that in this area the aggregate split value would not exceed the block value, because the timescale required to resell each unit individually would not meet lender expectations. The same valuer did confirm the block value, subject to condition, was circa £1,250,000.

In light of that, we recommended a different route: a [portfolio buy to let mortgage](https://mortgagelane.com/mortgages/property-portfolio-mortgages) structured to achieve 90% borrowing against the purchase price, with no requirement to split the titles at all. During the application, we instructed the same firm that had provided the estimated valuation. The formal valuation returned a block value of £1,188,000, still comfortably supporting 90% borrowing against the £950,000 purchase price, and giving our client access to [property portfolio finance](https://mortgagelane.com/mortgages/property-portfolio-mortgages) without the added risk and timeline of a title split.

## The outcome

Our client secured a cash-flowing asset worth over £1 million with a 10% deposit. The process from decision in principle to completion took just 7 weeks.

## Buy-to-let calculator

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Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.

> [!IMPORTANT]
> Further reading
>
> Find out more on our [portfolio mortgage](https://mortgagelane.com/mortgages/property-portfolio-mortgages) page.

## Related case studies

- [2026](https://mortgagelane.com/case-studies/title-split-mufb)Case study[Title Split MUFB](https://mortgagelane.com/case-studies/title-split-mufb)See how a client split a multi-unit freehold block into three leasehold titles and funded the purchase at 100%, with no deposit contribution.[Read more about Title Split MUFB](https://mortgagelane.com/case-studies/title-split-mufb)
- [2026](https://mortgagelane.com/case-studies/semi-commercial-bridging-loan)Case study[Semi-Commercial Bridging Loan](https://mortgagelane.com/case-studies/semi-commercial-bridging-loan)See how a client secured a £1.46m bridging loan on a semi-commercial block of 16 flats and a commercial unit, completing in just 4 working days.[Read more about Semi-Commercial Bridging Loan](https://mortgagelane.com/case-studies/semi-commercial-bridging-loan)
- [2026](https://mortgagelane.com/case-studies/limited-company-buy-to-let-fast-offer)Case study[Limited Company Buy to Let](https://mortgagelane.com/case-studies/limited-company-buy-to-let-fast-offer)See how a limited company buy to let purchase went from submission to mortgage offer in just 3 days, using an SPV mortgage.[Read more about Limited Company Buy to Let](https://mortgagelane.com/case-studies/limited-company-buy-to-let-fast-offer)

## Weighing up whether to split a multi-unit block’s titles?

We’ll test the numbers with a valuer before you commit to a strategy, so you know whether a split genuinely adds value or whether a straightforward high-LTV purchase gets you there faster.

Published: 2026-09-25

Last reviewed: 2026-10-15

Source: https://mortgagelane.com/case-studies/mufb-purchase-wolverhampton