What Is Title-Splitting and Why It Matters

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Title-splitting is a legal and financial restructuring strategy that turns one property into multiple, separately owned assets. By creating long leaseholds for each flat or unit — while you retain the freehold — investors can unlock equity, improve refinancing options, and significantly increase the total market value.

Many buildings are undervalued simply because they’re held under one title. Banks prefer lending on individual residential units, and buyers are willing to pay more for a single flat than a share of an entire block. By creating leaseholds, you make your property both more marketable and more profitable — all while holding the freehold as an appreciating long-term asset.

Title-splitting suits professionals who:

• Want to grow wealth through property, but don’t have the time or expertise to manage complex projects.
• Value structured, low-maintenance investments with clear exit options.
• Seek the long-term security of property ownership with ongoing freehold income.

At PortfolioBuilt, we manage every stage — from sourcing and due diligence to structuring, finance, and refinance — ensuring your investment is built on solid fundamentals. You stay in control of the freehold and its long-term income potential, while we handle the complexity.

For example, in our Kingsley House project, a strategic title split generated over £330,000 in added value within just four months.

It’s a smarter, structured way to grow lasting wealth through property — guided by expertise, not guesswork.

All projects are subject to due diligence, financial and legal structuring.