Using FinTech to title split a property in 2025

Fintech can assist with title splitting in property transactions by streamlining the process, offering linked financial solutions (like a bridging loan for example) and by simplifying administrative tasks. Here are the ways fintech can be beneficial:

1. Digital Property Platforms

• Land Registry Access: Fintech platforms can integrate with the UK Land Registry to facilitate applications for title splitting, making it faster and more transparent.
• Data Insights: These platforms can analyse property data to assess the feasibility and potential profitability of splitting a title.

2. Financing and Bridging Loans

• Tailored Finance: Some fintech lenders like ourselves here at Breeze Capital, specialise in short-term property financing, such as bridging loans, which are often needed during title splitting to cover costs like construction, legal fees, or initial acquisition. Bridging loans are now being used more regularly in the title splitting process and they work well when buying the property below market value too.
• Quick Approvals: Using AI-driven algorithms, fintech lenders can provide faster loan approvals compared to traditional lenders, which is crucial for time-sensitive development projects.

3. Legal and Compliance Automation

• Smart Contracts: Fintech can leverage blockchain technology to create smart contracts that automate parts of the legal process, reducing time and errors.
• Compliance Tools: Automated tools ensure compliance with local laws and regulations, such as planning permissions or SAB approvals in Wales.
• Solicitors: Most property lawyers or conveyancers can now help with title splitting

4. Cost Management

• Expense Tracking: Fintech tools can help developers track costs associated with the title split, including construction, legal fees and financing costs, to maintain profitability.
• Budget Forecasting: Predictive analytics can help investors and developers forecast the financial outcome of splitting and selling individual units.

5. Property Valuation Tools

• Fintech platforms can provide real-time property valuation insights, helping developers understand the post-split market value of the individual units.

6. Facilitating Sales

• Marketplace Platforms: Fintech-powered property marketplaces make it easier to market and sell individual units after a title split.
• Digital Conveyancing: Online tools simplify the conveyancing process for each new title, reducing time-to-sale.

Example Use Case

• A property developer plans to convert a large house into three flats. Using a fintech platform:
  • They secure a bridging loan from Breeze Capital.
  • Access a property management tool to evaluate profitability post-split.
  • Submit title-splitting documentation electronically to the Land Registry.
  • Market the flats on a digital marketplace integrated with the platform.

For more information on how Breeze Capital can help you with your title splitting aspirations, please call us on 01244 565095

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