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Freehold divided into flats

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  • Freehold divided into flats

    Hi, I have a freehold house on one title but divided into two flats. It currently has no mortgage and lenders seem reluctant to lend on it in its current form. Would I have to create two long leases and split the freehold to borrow against it? I could transfer the property to my children at the same time if necessary. Appreciate any advice.
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