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Free tool · Title splitting deal analyser

The property deal analyser for title splitting.

Put in the purchase price, refurb, legal and lease costs, the value of the individual flats and your refinance terms. The analyser shows the equity you create, the cash you get back and what is left in the deal, before you make an offer.

Equity createdSplit value against total cost
Cash returnedOn refinance, after fees
Cash left inAnd return on it
Projected IRROver your timeline
Figures update as you type · Free PDF report

How to use it

Analyse a title split in four steps.

New to title splitting? Start with our guide to what title splitting is and when it works, then come back and run your numbers.

  1. Purchase and funding

    Price, cash or bridging, deposit, interest and fees, or straight to term finance.

  2. Costs

    Stamp duty, legals, survey, refurb and a contingency for the unexpected.

  3. The split

    Number of flats, lease and split legal costs, and the combined leasehold value (GDV).

  4. Refinance and hold

    Refinance loan to value, rate and fees, plus rent and running costs for cash flow.

What the numbers mean

The figures that decide a title split.

GDV
Gross development value: what the flats are worth once each has its own lease.
Sum of individual leasehold values
Equity created
The uplift you create by splitting the title, after every cost of buying, refurbishing and splitting.
GDV − total project cost
Cash returned on refinance
How much of your money comes back when you refinance the individual flats.
New loans − debt repaid − refinance fees
Cash left in and IRR
What stays in the deal after refinance, and the annualised return across the project timeline.
Return on cash left in, IRR over timeline

Quotes from partners

Got a deal that stacks up?

Request a quote from inside the analyser and your deal figures go with it, so nobody has to ask you twice.

Finance

Bridging and term finance

Finance quotes come from our partner, Next Route Finance, for bridging to refinance or straight to term.

Legal

Acquisition and title split legals

Quotes for the purchase and for drafting the new leases and splitting the title.

FAQ

Deal analyser questions

What is a property deal analyser?

A property deal analyser is a calculator that models the costs, finance and exit of a property deal so you can see the profit and return before you buy. This one is built for title splitting: buying a block on one freehold title, splitting it into individual leases and refinancing.

Is the deal analyser free?

Yes. The analyser is free to use. Enter your details once to download the PDF report, save deals and request quotes.

How accurate are the results?

The results are only as good as the figures you enter. Use real quotes for refurb, legals and finance, and a realistic leasehold value for each flat. Treat the output as a guide and take professional advice before committing to a purchase.

Can I model straight to term finance instead of bridging?

Yes. Choose cash, bridging or straight to term in the funding section, and compare bridging against straight to term side by side in the results.

What is title splitting?

Title splitting is dividing a block held on one freehold title into separate leasehold titles for each flat, which can increase the total value and make each flat individually mortgageable.

Read the full guide: what is title splitting?

Who sees my details when I request a quote?

Finance quote requests go to our finance partner, Next Route Finance, and legal quote requests go to our legal team, each with the deal figures you entered. You confirm this before sending.

See our privacy notice.

Find a block to splitBrowse blocks of flats for sale, many on a single freehold title. Get off-market blocks firstJoin the investor circle for blocks before they are advertised.