Title Split

Title splitting is a value-add strategy for buildings that already contain multiple distinct units (such as a converted flat block) sold on a single freehold title. By separating the title into individual leasehold or freehold titles, the units become individually saleable, and the sum of the parts is typically worth more than the whole.

What makes a title split work

A building with clearly separable units, often already physically separated. A solicitor experienced in title splits. Cooperative lender if any of the units carry mortgages. A clear understanding of the projected per-unit sale prices.

Costs

Legal fees, surveyor (for the lease plans), Land Registry fees, any planning permission required, and capital gains tax planning.

Risks

Underlying lender refusing to release individual titles. Local planning restrictions. Misjudging individual unit values.

Where Elaman packs help

Title-split packs include current title structure, projected per-unit values from comparables, an estimated legal and Land Registry cost, and a projected uplift after split.