James Lynch
James Lynch, Founder of #TheTitleSplitConsultant, will personally lead every single live session that you attend.
No matter your level of property knowledge
Title splitting training from an investor who actually buys blocks.
Helping you accelerate your property portfolio. Our clients range from complete property newbies, through to RICS Surveyors, Property Solicitors, Estate Agents, Property Auctioneers, Architects, and more.
Consult
By-the-hour consultancy, with discounts for bulk bookings
Coach
Group coaching services, to quick start your title split and creative deal projects
Mentor
Bespoke one to one mentorship, our platinum level product
#TheTitleSplitConsultant
We are not another 'training company' - we live and breathe property.
Do your due diligence... is your mentor actually buying property?
Our Portfolio
Constantly growing, at August 2026, our portfolio is 80 units, with 4 more in legals. If you are intending to work with any property educator, you should verify their claims. Feel free to look us up on Companies House today! Now try that with anyone else you are considering working with...
Our Backgrounds
Our Buy-to-let ownership dates back to 2012. Before we moved to full time property investing and developing, we were Project Managers in highly regulated industries.
Learn title splitting
Free guides, written from our own blocks.
The questions investors ask us every week in the deal clinic, answered in full. Start with what a title split is, or go straight to the one you need.
Process
The title split process, step by step
The three routes, the two-company structure every split needs, and the eight steps from first look to registered titles.
Read the guide → TimingHow long does a title split take?
Weeks for the leases, months for the registration, and why the difference is whether anyone chases.
Read the guide → CostsHow much does a title split cost?
Every line of the bill, with the working allowances we use in our own deal stacking.
Read the guide → Due diligenceThe title split checklist: what to look for in a block
The five things we check before we offer, the paperwork to demand early, and the buildings to leave alone.
Read the guide → ValuationHow a valuer decides what your split units are worth
The two valuation bases, what makes a comparable stand up, and the traps that kill deals.
Read the guide → FinanceCan you get a mortgage on individual flats in a split block?
How finance actually works on a title split: the two routes, what changed in April 2026, and where these deals get stuck.
Read the guide → All guidesEvery guide in one place
The full library, in the order a buyer needs it, plus the glossary and the podcasts.
Browse the guides →
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Join James live and get your questions answered.
See dates → PodcastsListen to James
James on the UK property podcasts, talking title splits, blocks of flats and scaling a portfolio.
Listen now → Consultation1-Hour Consultancy
Book a 1-to-1 with James over MS Teams, for deal stacking, analysis, and general title split help.
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The full brochure - consultation, group coaching, mentoring, it's all here.
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Title splitting, answered
The questions we get asked most.
Short answers here, the full ones in the guides. If yours is not on the list, book the free fifteen minute call and ask James.
What is title splitting?
Title splitting is dividing one registered title into several. For a block of flats, the freehold stays as one title and each flat is granted its own long lease, so it becomes a separate leasehold title that can be mortgaged or sold on its own. Nothing changes on the ground; what changes is how the building is owned on paper, and lenders, valuers and buyers respond to that.
How much value does a title split add?
We teach clients to focus on blocks where splitting can increase the value by around 25% to 45%, often without any physical work. The uplift exists because individual flats sell to a wider pool of buyers, and borrow from a wider pool of lenders, than a whole block does. Not every block delivers it, and the skill is knowing which ones will.
How long does a title split take?
The leases can be drafted in weeks and are usually granted on completion day. Registering the new titles at Land Registry is the slow part: left alone it can take around 18 months, chased hard with the expedite service it can be three to six. Every month unregistered is a month on expensive finance, so the chasing matters.
How much does a title split cost?
Legal fees for drafting and granting the leases, a Land Registry compliant plan for each flat, a valuation, Land Registry fees, indemnity cover, the two-company structure and the compliance documents each flat needs. On a block of around ten flats the professional costs are a five-figure sum. Finance costs while the titles register are often the biggest line.
Can you get a mortgage on the individual flats after a split?
Yes, once the new titles are registered, and on a split-on-acquisition deal the lender will often lend against the split value from completion day on a special assumption valuation. Lenders are size-sensitive: flats above about 30 square metres are much easier to finance than smaller ones.
Do I need planning permission to title split?
A title split changes ownership, not the building, so it does not itself need planning permission. What matters is that the flats are lawful, self-contained units with their own utilities, and that the building is not an unlicensed Section 257 HMO. Those are due diligence questions, not planning applications.
Who is The Title Split Consultant?
James Lynch, a UK property investor who buys and splits blocks of flats and mixed-use buildings, and teaches other investors and property professionals to do the same. At August 2026 the portfolio stood at 80 units with 4 more in legals, verifiable at Companies House under company number 16847333. James leads every live session personally.
Who is the training for?
Everyone from first-time investors to RICS surveyors, property solicitors, estate agents, auctioneers and architects. Most people start with Deals and Analysis, four live two-hour group sessions at £995 including VAT, then take an hour on a live deal or move to mentorship when the deals are coming.
Ready to join us?
- Deals & Analysis is a great place to start, at an amazing price point... less than a tenth of the cost of some other educators!
- Just want us to look at a deal with you? You could book an hour 1-to-1.
- Ready to help us build out your portfolio, bespoke 1-to-1 advice and so much more? Mentorship.
Some client wins
- £0 to £2M portfolio in less than a year
- 22 Houses on 1-title. £6.3M purchase, £8.6M valuation, all money out
- First block bought (£500K)
- Auction win & all money out