Title Splits

Buy a multi-unit building held on one title (often at a block discount), then legally divide it into separate titles so each unit can be sold or refinanced individually — the sum of the parts exceeds the whole.

Typical ROI High on capital (uplift-driven)
Timeline 6 to 18 months
Difficulty Medium – High
Key metric Value uplift per unit

Strategy overview

  • Acquire a block of flats or converted house on a single freehold title
  • Create individual long leases for each unit
  • Register separate titles
  • Sell or refinance units individually to realise the uplift

Advantages

  • Value created through legal restructuring, not heavy construction
  • Unlocks a higher aggregate value than the block sale price
  • Flexible exits — sell some, refinance and hold others
  • Often low-refurb, so lower build risk

Considerations

  • Legal and conveyancing complexity — a strong property solicitor is essential
  • Lender restrictions and lease-drafting requirements
  • Units usually need to be self-contained (or works to make them so)
  • Existing tenancies and use-class position must be checked
  • Timeline driven by legal process, not construction