Property Title Split Bridging & Finance

Find out how you can use title split bridging finance on your next property title split investment.

Title splitting property investments can often be a lucrative way of adding value to a property by splitting it up into its constituent parts. Its essentially a legal process that takes a large property or plot of land and splits it into smaller freehold or leasehold lots.

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.

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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
  • UK Property in England, Wales, Scotland and Northern Ireland
  • Fast Completions
  • Rates From 0.8% Per Month

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

Loan to Values For Title Splitting Bridging

Each case will be assessed on its own merits and will require a 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 LTV’s 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

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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/apartments
  • MUFB to 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 with 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 to 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 large plot of land into smaller plots
  • Planning Gains
  • Splitting larger developments into smaller plots with planning

Apply For Title Split Bridging

Fill in the form below and one of our experienced property finance brokers will be in touch to discuss your options for a title split investment.

Will will search the market for you and arrange a funding offer, guiding you through the process start to finish.