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Found 2 results

  1. Help! I have a plot of land in Chelmsford with a 9 Bed HMO on it, I have planning in to split the HMO into two houses and to build a new house on the end - pre agreed at pre app, expected in 2 weeks. The property is currently owned in our SPV Limited Company. We want to split the title into 3 seperate titles to mortgage each property separately yet retain ownership of all three within our Ltd on a freehold basis. As we're not selling it's proving a little complicated - all the solicitors are telling me that although it is possible that Land Registry will split the titles - we can't grant access rights to ourselves, so, when coming to mortgaging those new houses the titles won't stand up for mortgage purposes. It's been suggested we transfer the properties into another part of the company, creating the 'transfer' required to go through the necessary legal steps of granting access rights etc. I'm awaiting tax advice but assuming this route isn't ideal tax wise and I don't really want these properties to leave the main SPV anyway. Has anyone managed to split a title and retained ownership of all the titles and successfully re mortgaged those properties? With build to rent being popular this has to be doable....! Any and all help appreciated... (We'll be building with our own inhouse building company and be managing the properties ourselves if that has any impact on anything)
  2. Good morning all, I'd like to hear from anyone who knows about title splitting concerning commercial properties that has residential on top. If an investor bought a freehold commercial unit with a flat then decided to sell each unit separately how you deal the title on the flat? I believe there are few options on how you deal with unit depending on whether you want to keep the freehold or not. In this scenario it would be if you want to sell all the units with the freeholds as well. The commercial unit would simply be sold as a freehold unit. Concerning the flat would you say it's best to create a lease then sell the lease and freehold separately? Of course I know a good solicitor will be needed to ensure the titles are prepared adequately. Just looking to hear from any here who may have knowledge and experience of this. Thanks
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