Case Studies

Helping an Experienced Landlord Unlock Property Value in Bath

The Situation

Our client, an experienced landlord based in Bath, approached us with an ambitious goal: to split a property they owned into four separate leasehold flats. This would increase the total value of the asset and give them the flexibility to sell each flat individually in the future.

The Challenge

Although the client was well-versed in property investment, this project wasn’t straightforward.

The title split involved complex legal and tax issues, as well as a multi-layered ownership structure—something that most lenders would not support.

To keep things simple, the client also wanted all four flats to be mortgaged by the same lender.

Before reaching out to Windsor Hill Mortgages, two other brokers had told them it couldn’t be done. The advice they received lacked clarity—especially around the tax implications—which left them unsure of how to move forward.

Our Solution

We took a rounded, tailored approach.

First, we brought trusted tax specialists into the conversation to give the client clear, expert guidance.

Next, our team used their specialist buy-to-let knowledge to find a suitable mortgage option that could work with the property’s structure.

Because of our strong relationships with lenders, we were able to speak directly with the right lender, which helped to speed up the application and secure an agreement.

The outcome

The title split was completed successfully, and we secured market-leading rates from a specialist lender.

The ownership structure was carefully arranged to match the client’s goals, making it easy to sell the flats individually at an increased value.

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