Property & Poppadoms (Property Training Days) - MUFBs & Title Splits

Title splitting—subdividing a single property title into multiple separate titles—can unlock substantial value and create multiple exit strategies, but it must be executed correctly to avoid legal complications and maximise returns. When done properly, a title split can transform a single multi unit block asset into multiple standalone single units, potentially significantly increasing the overall property value, providing flexible financing options, and creating opportunities that may not exist with a single title.

This comprehensive session brings together the complete team you need for successful title split projects. You’ll hear from experienced investors who’ve completed multiple splits and can share real world case studies, including their biggest wins, costly mistakes to avoid, and the lessons learned along the way. These aren’t theoretical examples, you’ll see actual projects with real numbers, timelines, and outcomes, giving you a practical steps to follow.

Specialist funders will explain how to finance title split projects from start to finish. Unlike standard property purchases, title splits often require funding for the initial acquisition, any necessary conversion works that the asset may need, whilst also allowing time for the Land Registry process. You’ll understand which lenders work in this space, what LTV ratios are available and how valuations are approached. The funders will also explain how existing mortgages affect your options and strategies for working with current lenders or refinancing to facilitate the split.

Legal experts will navigate you through the often complex Land Registry requirements that govern title splits. You’ll learn about boundary definitions and how to establish them correctly, the critical importance of accurate site plans and measurements, how to handle rights of way and access arrangements when creating multiple titles, and much more. The legal team will explain how your application runs smoothly and doesn’t get caught in costly delays.

You’ll discover which property types are ideal candidates for title splits: large houses that can be converted into flats, properties with substantial gardens that can accommodate new builds, commercial buildings that can be split into multiple units, and mixed-use properties where residential and commercial elements can be separated. Understanding the criteria is crucial, not every property benefits from a split, and you’ll learn how to assess whether a split genuinely adds value or just creates complexity without reward.

The session covers the entire application process from initial assessment through to receiving your new titles, including gathering the required documentation, commissioning accurate surveys and plans, navigating planning permission requirements where applicable, submitting your Land Registry application, responding to requisitions or queries, and finally receiving your separate registered titles. You’ll understand realistic timescales and the costs involved at each stage, from legal fees and Land Registry charges to surveyor costs and any necessary building works.