19/08/2026
Title split. You might have seen us mention it - but what does it actually mean?
A title split is the process of taking a single property title and legally dividing it into two or more separate titles. Each new title becomes its own standalone legal entity that can be sold, mortgaged, or rented independently.
Here's a simple example. You buy a large house that sits on a plot with a detached outbuilding, or a property that could be converted into two separate dwellings. Rather than treating it as one asset, you split the title so that each part becomes its own property in the eyes of the Land Registry.
Why is this interesting from an investment perspective?
Because you can manufacture value. You buy one asset at one price, split it, and end up with multiple assets whose combined value exceeds what you paid. That gap between what you paid and what you've created is equity - built not by the market but by the strategy itself.
The process involves solicitors, Land Registry applications, and often planning considerations depending on what the split involves. It takes longer than a standard purchase - as we've experienced very much firsthand - but the upside can be significant.
Our current title split involves four cottages purchased under one title. Each will be registered separately, let independently, and refinanced to recycle the capital back out.
It's one of our favourite strategies. And now you know why.
