What is Title Splitting? A Beginner’s Guide to Unlocking Property Potential

Inspired Property Group
May 15
2 min read

When it comes to property investment strategies, Title Splitting is one of the most powerful yet underutilised approaches. At Inspired Property Group, it’s at the heart of what we do—and for good reason. But what exactly is Title Splitting, and how can it transform a property’s value? Let’s break it down.

Jon & Dan collecting the keys to their very first Title Split - two buildings in one day! This milestone marked the beginning of their journey into unlocking untapped property potential.

The Basics: What is Title Splitting?

Title Splitting is the process of dividing a freehold property—such as a block of flats—into individual leasehold titles. This allows each unit to be sold or rented out separately, often unlocking a significantly higher overall value than the original purchase price of the entire property.

For example:

A freehold block of 4 flats might be purchased for £400,000.
After Title Splitting, the individual leasehold flats could be worth £125,000 each.
Total value: £500,000—a £100,000 uplift in equity!

Why Choose Title Splitting Over Traditional Property Investment?

Title Splitting offers unique advantages that set it apart from other property strategies like buy-to-let or flipping. Here’s why investors love it:

Maximised Equity Gains - By selling or refinancing individual units, you can unlock equity far beyond the original purchase price.
No Planning Permission Needed - Unlike major renovations or conversions, Title Splitting doesn’t require planning permission, saving you time and hassle.
Faster ROI - While traditional investments can take years to generate substantial returns, Title Splitting projects are often completed within 12–18 months.
Flexibility - You can choose to sell some units, refinance others, or retain them all for long-term rental income.

How Does the Process Work?

At Inspired Property Group, we’ve refined the Title Splitting process into a clear, step-by-step approach:

Property Selection - We identify freehold blocks with untapped potential. Key criteria include:
- Minimum unit size of 30m².
- At least 3 units in the block.
- A minimum uplift of 45% in value post-split.
Due Diligence - This involves evaluating room sizes, rental income, refurbishment needs, and utility splits. We work closely with estate agents and contractors to ensure everything aligns.
Legal Work - Our expert solicitors handle the creation of individual leasehold titles and ensure compliance with all regulations.
Refinancing or Sale - Once the Title Splitting is complete, we either refinance the units to release equity or sell them individually for a profit.

Who is Title Splitting For?

This strategy is ideal for:

Investors seeking substantial equity gains.
Those looking for a hands-on, rewarding approach to property.
Individuals aiming to build a sustainable property portfolio.

Ready to Learn More?

If you’re intrigued by the potential of Title Splitting, we’d love to help you get started. Whether you’re new to property investment or looking to refine your strategy, our training programmes and consultations are designed to guide you every step of the way.

👉 Watch our introductory video on the homepage for a quick overview.👉 Join our online training to dive deeper into the process.