Leases, Lenders and Land Registry

Creating leases, consents and the legal process step by step

In title splitting the value appears only when separate, properly drafted, lender-acceptable titles are created and registered, and this book explains that mechanism. It starts with the foundational fact about property in England and Wales that everything else follows from, then explains why you cannot create separate saleable homes unless those homes are lawful in the first place, which is where beginners get caught. The lease is the most important document in the strategy because it carries all of your value, and the book sets out what it must contain. You will see the duties you take on for the small building you have created, which do not disappear when the units are sold, and the tax questions that can consume the uplift if asked too late. A working checklist covers the whole legal process, and the final chapter explains why a split that looks finished can still leave flats no mainstream lender will touch. Next in this series: “Splitting at Scale”.

What’s inside

• The legal framework in plain English
• Permissions, licensing and planning
• The contracts, and what must be inside them
• Insurance, safety and your legal duties
• Tax treatment and choosing a structure
• Your compliance checklist
• Getting this wrong, what it actually costs

Educational material only, not financial, legal or tax advice. Results are not typical and are not a guarantee of income. Freedom Property Academy LTD, registered in England and Wales.