Title Split Bridging Finance: How Title Splitting Works, Costs and Lenders

Last updated: November 6th, 2026

Bolton Business Finance is a UK commercial finance broker that arranges title split bridging finance, including multi-unit freehold blocks, semi-commercial splits, land and airspace schemes, for property investors and limited companies.

A title split divides a property held under one registered title into separate titles that can each be sold or refinanced on their own. Title split bridging funds the purchase against the value of the units after the split rather than the single title, which is how some deals reach up to 100% of the purchase price.

Written by Marcus Wright, owner and founder of Bolton Business Finance Ltd, in financial services since 2008 and a commercial finance broker since 2019. Last reviewed November 2026.

This type of transaction is not generally suitable for standard finance options such as a mortgage. It will usually require a bridging loan, with a 1st charge lender that supports the splitting process. We place these with specialist lenders from a panel of 135+.

What Title Splitting Is

Title splitting is the legal process of dividing a property held under one registered title into two or more separate titles, each of which can be sold, mortgaged or refinanced on its own. The most common example is a block of flats owned on a single freehold, known as a multi-unit freehold block (MUFB), being split into individual long leasehold flats, which turns it into a multi-unit leasehold block (MULB).

Title splitting property investments can often be a lucrative way of adding value to a property by splitting it up into its constituent parts. It’s essentially a legal process that takes a large property or plot of land and splits it into smaller freehold or leasehold lots. The uplift comes from the buyer pool: a whole block sells to a small number of cash or specialist investors, often at a discount, while individual flats can be sold to owner occupiers or refinanced on standard buy to let terms.

In England and Wales the split is handled by your solicitor, who has a plan of each unit drawn to HM Land Registry standards, drafts a lease or transfer for each one and registers the new titles. The freehold is usually kept, often in a separate company, with the new leases granted out of it.

Scotland works differently. Flats there are owned outright rather than on long leases, so a split is done by conveying each flat separately under Scottish property law. Northern Ireland has its own land registry and conveyancing rules. Lender appetite in both is narrower, and we check it case by case.

Title Split Bridging Loans

You can use title split bridging loans to purchase the property and also potentially fund the cost of works as well if required. The term of the loan will typically be 12-18 months, giving you time to carry out the legal process (and works if required) and then selling or refinancing the property.

Features of a Title Split Bridging Finance

When title splitting each project can have its own unique aspects that need to be considered when arranging finance. Typical features of a title split bridge include:

• Amounts from £100k to £20 Million
• Up to 100% of Purchase Price
• Up to 100% Cost of Works in arrears
• Residential, Semi Commercial, Commercial and Land
• England and Wales, with Scotland and Northern Ireland case by case
• Fast Completions
• Rates From 0.8% Per Month (typical, November 2026)

All applications are subject to underwriting and valuations. Adverse credit can be considered. Homeowners and experienced investors are preferred, but all circumstances are considered.

Loan to Values For Title Splitting Bridging

Each case will be assessed on its own merits and will require an independent valuation. It may be possible to fund 100% of the purchase price, if the value of the individual units after the split is under the LTVs below.

• Residential – Up To 75% Loan To Split Value
• Semi-Commercial – Up To 70% Loan To Split Value
• Commercial – Up To 65% Loan To Split Value
• Land – Up To 60% Loan To Split Value

Examples of Property Title Splitting Investments

Here are a few examples of the types of title splits that we can help you source bridging finance for below.

Residential Title Split

Residential title splits have the highest loan to values available on bridging loans of up to 75% of the value after the split, subject to valuation.

• Houses with a large garden, splitting the garden into two or more plots
• Freehold flats to individual leasehold flats
• Splitting a large house into two or more flats or apartments
• Multi-unit freehold block (MUFB) to multi-unit leasehold block (MULB)

Semi Commercial Title Split

Funding available on semi commercial units will depend on how much is residential and how much is commercial. Typically loan to values available on bridging loans of up to 70% of the value after the split, subject to valuation.

• Splitting retail units from the flats above
• Farms with multiple buildings and land

Commercial Title Split

Typically loan to values available on commercial bridging loans of up to 65% of the value after the split, subject to valuation.

• Splitting larger commercial units into smaller freehold or leasehold units
• Splitting industrial estates into individual freehold units
• Hotels to apartments or flats
• Commercial to Residential Conversion

Title Splitting Land

Typically loan to values available on land with no property are lower, potentially up to 60% of the value after the split, subject to valuation.

• Splitting a large plot of land into smaller plots
• Planning gains
• Splitting larger developments into smaller plots with planning

Title Split Bridging Compared With Other Finance

A title split bridge is one of several ways to buy a block or a building with more than one unit. The difference is what the lender values the security on.

See also below market value bridging, multi unit buy to let mortgages and refurbishment bridging.

Typical Costs and Fees of Title Split Bridging

Here are the usual fees and costs you will have if you use bridging for a title split investment.

You may also have other fees such as your own solicitor costs and title insurance.

What it costs to split a title

The bridging costs above are only part of the budget. Splitting a title carries its own costs, and they are the ones investors most often underestimate. Most are charged per unit, so they grow with every flat or plot the split creates.

Illustrative example: splitting a freehold block

An investor buys a freehold building of six flats held on a single title for £600,000. Valued as six separately saleable leasehold flats, the split value is £900,000. A lender working to 75% of split value can fund close to the full purchase price.

Published Title Split Deals

Specialist lenders publish real title split figures, and they show how the numbers work in practice. Finanze Capital, the lending arm of Finanze Group, helped develop lending against split value and publishes worked examples. Ultimate Finance also lists title split purchases among its bridging products.

Three points stand out. Retained interest and fees take a large slice of the gross loan, so the net advance is what matters, not the headline percentage. The split value has to be backed by completed sales of similar flats nearby, not the investor’s estimate. And HM Land Registry can take months to issue new titles, so the plans and draft leases should be ready before completion, which is why lenders usually set a 12 month term even when an efficient split exits sooner.

Which lenders fund title splits, and how to choose

Title splits are funded by specialist bridging lenders rather than banks. The main difference between them is how they value the security, and that decides how much you can borrow on the same property.