Title Split ● Available now Hands-off · No travel needed
18 West Road, Lancaster
Lancaster, Lancashire · North West England
Cash required
£8,685
post-refinance
Projected rental
£28,800
per year gross
Net ROI
82.03%
post-refinance
About this investment
18 West Road is a title split opportunity in Lancaster — converting a single freehold property into 3 self-contained flats (two 1-bed and one 2-bed maisonette), each sold or let individually. With a GDV of £370,000 against a total project cost of £275,213, this deal generates substantial capital uplift alongside strong long-term rental income. With just £8,685 left in the deal post-refinance, the ROI is exceptional. Managed entirely remotely — no site visits required.
✓ No site visits needed ✓ Tenant fill support ✓ Maintenance support ✓ 3 self-contained flats ✓ Title split strategy ✓ Capital uplift £94,788
Flat breakdown & rental income
Flat 1
1-Bed Flat
£750 / mo
GDV: £110,000
Flat 2
1-Bed Flat
£750 / mo
GDV: £110,000
Flat 3
2-Bed Maisonette
£900 / mo
GDV: £150,000
| Income summary | |
| Total monthly gross income | £2,400 |
| Total annual gross income | £28,800 |
Investment summary
GDV of £370,000 — individual flat values of £110,000 each (1-beds) and £150,000 (2-bed maisonette). Strong capital uplift of £94,788 over total project cost.
Title split refinance strategy releases £135,000 when new mortgage settles the bridging loan — leaving just £8,685 of your capital in the deal long-term.
£7,124 net income per year after mortgage, management fee, maintenance and insurance. Full monthly cost breakdown shared after enquiry.
Reserve with a commitment fee to secure this property. The commitment fee ensures this deal is reserved for you.
Title split refinance strategy
How your capital comes back
GDV (3 flats)
£370,000
→
New mortgage @ 75% LTV
£277,500
→
Funds released
£135,000
→
Cash left in deal
£8,685
After the title split and refinance, approximately £135,000 is released — recovering the vast majority of your initial capital. Only £8,685 remains in the deal long-term, on which you earn £7,124/yr net — an exceptional 82% ROI.
Full cost breakdown
Purchase price · Refurb · All fees · Total cash input
Purchase price£190,000
Refurbishment & development£36,750
Sourcing & project management£16,763
Stamp duty (SDLT)£10,800
Auction fee£11,400
Bridging & finance costs£10,973
Legal & professional fees£8,500
Total cash input (with lending)£143,685
Stress test — 90% occupancy at 6% rate
Even under stressed conditions — one flat vacant and mortgage rates rising to 6% — the investment remains cash-flow positive.
Full occupancy (5% rate)
Monthly net income£594
Annual net income£7,124
Net ROI82.03%
90% occupancy (6% rate)
Monthly net income£332
Annual net income£3,982
Net ROI45.84%
Free 30-minute investor call
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✓ Full purchase & project cost breakdown
✓ Title split strategy & refinance figures
✓ Individual flat GDV & capital uplift analysis
✓ Projected net income after all costs
How it works — invest from anywhere
1
Submit your details or book a call
Get the full financial pack by email, or speak directly with our team on a free 30-min call to walk through the title split strategy and every number.
2
Reserve with a commitment fee
Secure the property with a commitment fee, which ensures this deal is reserved for you.
3
We manage the title split & build
Our team manages the full project — planning, conversion, title split and flat creation. Regular photo and video updates throughout.
4
Tenants in, income starts, capital returns
Our tenant fill support team onboard rooms. Once occupied, rental income begins and the refinance returns the majority of your capital.
Figures are indicative and subject to final survey, lender terms and legal due diligence. All costs include VAT at the appropriate rate. Capital is at risk. This page is for information purposes only and does not constitute financial advice. HMO Designs Ltd · www.hmodesigns.co.uk