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  • Writer's pictureMatthew Pigrome

Case Study: "Thinking Outside the Box" Unique Split Title Property Purchase

Updated: Nov 6, 2023

In the ever-evolving world of property purchases, sometimes the conventional route isn't the most effective. At Mortgage321, we pride ourselves on our ability to think creatively and offer solutions tailored to our clients' unique situations. This case study highlights how our innovative approach helped one client move forward with a complex property purchase.

The Challenge:

Our client approached us with a unique property situation. He was interested in a property that had been divided into two distinct parcels: a detached family home and a detached garage building with B2 usage. The combined purchase price for both parcels was £500,000. However, the challenge lay in determining the individual valuations of these two parcels and devising a financial strategy that would allow our client to make the purchase.

The Solution:

Rather than taking a one-size-fits-all approach, Mortgage321 delved deeper into the specifics of the property and our client's financial capabilities. We suggested the following steps:

  1. Gather Detailed Information: We advised our client to contact the seller or estate agent to enquire about the individual valuations of the two parcels. If this wasn't possible, we recommended a professional valuation to ensure a fair price breakdown.

  2. Tailored Financial Strategy: Based on the valuations:

    • We explored the possibility of our client purchasing the detached garage building with B2 usage outright in cash if it was within his available funds.

    • For the detached family home, we considered raising a buy-to-let mortgage based on its valuation and potential rental income.

The Outcome:

By "thinking outside the box," Mortgage321 was able to offer a flexible and tailored solution for our client. This approach not only provided him with a clear path forward but also potentially saved him on interest costs for the part of the property he could purchase in cash.


Every property purchase is unique, and at Mortgage321, we believe in offering solutions that reflect this. Our client's situation underscores the importance of a bespoke approach and the benefits of creative problem-solving in the mortgage industry. Whether you're facing a straightforward purchase or a more complex scenario, Mortgage321 is here to guide you every step of the way.

For more insights and case studies, stay tuned to the Mortgage321 blog. Your dream property purchase might just be a creative solution away!


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