Title Splitting: Creating Value Through Legal Engineering
A large Victorian terrace bought as a single title and converted into flats can be title split — creating separate leasehold titles for each unit that together can be worth significantly more than the whole.
Title splitting requires a solicitor to create a freehold title and individual leasehold titles for each unit, typically with 125–999 year leases. The combined value of individually mortgageable flat titles frequently exceeds the single-house valuation by 15–25%. Each flat can then be sold or mortgaged independently. This strategy requires planning permission for the conversion, building regulations compliance, and careful lease drafting — but it's one of the most powerful value-creation tools available to experienced developers on the right property type.