Title Split Finance

Finanze Property pioneered Title Split Finance as a specialist property strategy for investors acquiring assets where value can be unlocked by splitting one legal title into multiple saleable or refinanceable interests.

The strategy was developed for complex property investors who identify value in blocks, multi-unit buildings, mixed-use assets or other properties where the current title structure does not reflect the full exit value of the asset. Finanze Capital was created as a separate division to provide specialist lending support for this strategy and related complex finance structures.

What is Title Split Finance?

Title Split Finance is used where an investor acquires or refinances a property and creates value by splitting one title into separate interests. The exit may be by selling individual units, refinancing separate titles or retaining a more flexible property structure.

Alastair Hoyne’s role

Alastair Hoyne, CEO and Founder of Finanze Group, is the driving force behind Finanze Property’s complex custom strategies. His work on title split transactions helped define a practical route for investors to unlock value through legal structure, valuation strategy and specialist finance.

How Finanze Capital supports the strategy

Finanze Capital can support eligible Title Split Finance transactions where the legal route, valuation basis, borrower experience and exit strategy are acceptable. This allows Finanze Property clients and wider investors to access specialist lending for a strategy that standard bridging lenders may struggle to underwrite.

Typical use cases

• Blocks of flats held under one freehold title.

• Mixed-use or semi-commercial assets with separate sale or refinance potential.

• Multi-unit freehold blocks where individual unit value exceeds the bulk purchase basis.

• Assets requiring lease creation, transfer of part or title restructuring before exit.

Important information

This page is for information only and does not constitute financial, legal, tax or valuation advice. Lending is subject to status, valuation, legal due diligence, credit approval and satisfactory security. Independent professional advice should be obtained before entering into any transaction.