Title split calculator.
A block on one title is worth less than the sum of its flats. Model the split — value created, SDLT saved, bridge and refinance — and see whether the premium pays you.
Shape a block dealWhat it models
- Day-one block value vs the split aggregate of the flats
- Rent uplift and refurbishment feeding the end value
- The 6+ dwellings non-residential SDLT saving
- Bridging to buy, then refinance at 75% of the split value
- Cash pulled out vs cash left in — or split & sell for profit
- Live Land Registry sold prices for the comparable evidence
A worked example
Illustrative. Read the title-splitting guide for the full logic.
Title split questions, answered
What is a title split?
Splitting a single freehold title — typically a block of flats — into individual leasehold titles for each flat. The individual flats usually sum to more than the block, because each one can be bought by owner-occupiers and small investors with ordinary mortgages.
When should the title be split?
Usually on completion of the purchase — your solicitor creates the leases as part of the deal, which is cheaper and cleaner than splitting later. If you'll sell unit by unit, the split can happen on disposal instead.
Does buying a block save stamp duty?
Often, yes. Six or more dwellings in one transaction can use non-residential SDLT rates instead of residential additional-property rates — frequently a five-figure saving on a block.