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Buying a Block of Flats: A Guide for Investors

Finance, fire safety and tenant mix matter.

Buying a Block of Flats: A Guide for Investors Property Investment & Wealth Building

Updated October 2026 · Fraser Bond

Investing · Blocks

Buying a block of flats

Freeholdblock
Commercialfinance
SDLT6+ dwellings
Firesafety
In short: Buying a whole block on one freehold gives control of management and potential to add value, but is usually financed with commercial or portfolio lending. Stamp Duty on purchases of six or more dwellings in one transaction may be charged at non-residential rates. Check the leases or tenancies, rent roll, licensing, fire risk assessments, and for buildings over 11 or 18 metres the Building Safety Act duties. Commission a full building survey and take legal and tax advice.

Frequently asked questions

How are blocks financed?

Often with commercial or portfolio mortgages.

Is there special stamp duty?

Six or more dwellings can use non-residential rates.

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