Title Split Calculator

Buy a whole building, split it into individually mortgageable titles: the sum of the parts vs. the whole

Add a postcode for a real comparable-sales check on your per-flat value:

Buying the Building

Where is the property?

Northern Ireland uses the same Stamp Duty as England.

Purchase Price (whole building)

Legal Fees

Survey Fees

Broker Fees

Refurb / Conversion

SDLT (auto): £35,000

Buying 6 or more dwellings in a single transaction lets you elect non-residential SDLT rates instead: often cheaper. Not modelled here; check with a solicitor if you're at that scale.

Ownership & Tax

Owned by

Your other annual income

£40,000

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Splitting the Titles

Each flat gets its own long lease + Land Registry title

Number of Flats

Value per Flat (once split)

Bedrooms per Flat

Conveyancing per Title

Selling Costs %

Total splitting cost: £8,000 (4 × £2,000)

Sanity Check

What the block would sell for as ONE lot

65/100

Strong Flip Opportunity

Based on ROI and margin on the sale: connect a Deal Analyser deal to compare directly

£100,700

19.13% ROI

Selling all 4 flats individually

Split vs. Sold as One Lot

As One Lot

£520,000

Split Into 4

£640,000

+£120,000uplift from splitting

Returns

£526,500

Total Cash In

£640,000

Total GDV

£100,700

Profit (before tax)

19.13%

ROI (before tax)

Existing long leaseholders already in the building (if buying a partly-sold block) have statutory rights: Right of First Refusal, lease extension, Right to Manage, any of which can affect whether this is even possible.

Ground rent reform (Leasehold and Freehold Reform Act 2024) is still only partly in force: check the current rules before assuming you can charge ground rent on new leases.