Quiddity Podcast | Title Split Specialist

Azid Gungah
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  • Entrepreneurship

Discover the best ROI strategy in property investment! The Title Splitting Podcast gives you the opportunity to explore your questions about title splitting, helping you maximise profits and unlock new investment opportunities. Hosted by Azid, CEO of Quiddity Group, with 20+ years of property experience and over £15 million invested in real estate, this podcast delivers expert insights, practical advice, and real-world strategies to grow your property portfolio. Joining Azid on the panel are lenders, brokers, lawyers, and mentees, providing a well-rounded perspective from all the key departments involved in this powerful investment strategy. Quiddity Property Education helps property investors to maximise their return on their investment by buying blocks of flats, on one freehold and creating value through negotiation, refurbishment and title splitting. We aim to add at least 25% of value so that we can use that ‘new value created’ to use as deposit and refinance all our deposit out of each deal, in effect, getting 100% mortgages on refinance. This allows investors to keep re-using their capital to buy even more blocks of flats. We see consistent applications of this strategy achieve £10,000 per month passive rental income within 4/5 years. Starting funds can be as low as £30,000.

  1. 1d ago

    Quiddity Group Podcast S6 E4 – From TikTok to a £550K Property Deal: £256K Uplift Through Quiddity Wealth

    From discovering Quiddity Group on TikTok to investing in a property project with a projected value of £550,000. In this episode, we share the journey of an investor who chose Quiddity Wealth, our hands-off property investment service, to help build their property portfolio. The project involved purchasing a block of five flats for £294,000, with a projected GDV of £550,000, representing a potential £256,000 uplift in value. The property was refinanced at £375,000 and generates £3,000 in monthly rental income. We explore how title splitting, strategic refinancing and the right expertise can help investors unlock value, recycle capital and build long-term wealth through property, without having to manage the entire investment process themselves.

    Quiddity Group Podcast S6 E4 – From TikTok to a £550K Property Deal: £256K Uplift Through Quiddity Wealth

  2. Oct 14

    Quiddity Group Podcast S6 E3 – Sree Varma: How He Built 20 HMOs in 24 Months

    In Season 6, Episode 3 of the Quiddity Group Podcast, Azid Gungah sits down with property investor Sree Varma to discuss how he built 20 HMOs in just 24 months. Sree shares how he got started in property, why he chose the HMO strategy, how he scaled so quickly and the challenges he faced along the way. They also discuss sourcing, funding, refinancing, managing a growing portfolio and the lessons he learned through experience. The conversation also looks at how the HMO market has changed and why Sree is now exploring title splitting and larger property opportunities as the next stage of his journey. A valuable episode for anyone interested in HMOs, property investing and scaling a portfolio.

    Quiddity Group Podcast S6 E3 – Sree Varma: How He Built 20 HMOs in 24 Months

  3. Sep 30

    Quiddity Group Podcast S6 E2 – Top Mentee Success Story: 25+ Properties in Just 18 Months

    In Episode 2 of Season 6, Azid Gungah sits down with Colm Tinker, a former Quiddity Group 1-to-1 mentorship student who has gone on to build an impressive property portfolio. After joining the mentorship and learning the systems, strategies and processes behind sourcing, analysing and structuring property deals, Colm took action — and in just 18 months has built a portfolio of more than 25 properties. In this episode, Colm shares the journey behind that growth, from his early days in property to becoming a confident and active investor. The conversation looks beyond the headline numbers and explores what actually went into building the portfolio, including the challenges, mistakes, funding, deal selection and lessons learned along the way. Azid and Colm discuss: • How Colm started his property journey • Why he joined Quiddity Group’s 1-to-1 mentorship • The biggest lessons he took from the programme • How he went from learning to taking consistent action • Building a portfolio of 25+ properties in 18 months • How he sources and analyses deals • Purchase prices, refurbishments and end values • Funding and refinancing projects • Capital recycling and scaling • The biggest challenges he faced along the way • Mistakes new investors should avoid • The importance of having the right team around you • How his investment strategy has evolved • What he is working towards next Colm’s journey is a great example of what can happen when education is combined with consistent execution. Property investing is rarely about finding one “perfect” deal. It is about understanding the numbers, building the right relationships, learning from mistakes and developing a repeatable process that allows you to keep moving forward. For anyone currently starting their property journey, already investing, or looking to scale beyond their first few deals, this episode provides a real-world look at what that progression can actually involve.

    Quiddity Group Podcast S6 E2 – Top Mentee Success Story: 25+ Properties in Just 18 Months

  4. Sep 30

    Quiddity Group Podcast S6 E1 – Auction Market Update: Purchases, Trends & the Changing Auction Landscape

    Quiddity Group Podcast S6 E1 – Auction Market Update: Purchases, Trends & the Changing Auction Landscape Season 6 of the Quiddity Group Podcast opens with an in-depth discussion on the changing UK property market, the current auction landscape and what investors need to understand when buying property at auction in 2026. In this episode, Azid Gungah is joined by Olivia Boulting, Director at Strettons, alongside an experienced commercial property broker, bringing together perspectives from the auction room, finance market and active property investment. The UK property market has changed significantly over the past few years. The Bank of England began increasing interest rates in late 2021, with Bank Rate eventually reaching 5.25%, before reductions brought it down to 3.75% by December 2025. As of September 2026, Bank Rate remains at 3.75%, while UK inflation stands at 3.1%, above the Bank of England’s 2% target. Higher borrowing costs, changing lender appetite and uncertainty across the global economy are continuing to influence both residential and commercial property. The Bank of England reported in September 2026 that property market sentiment had softened further, with transactions down compared with last year in many areas and particularly challenging conditions across London and the South East. Commercial property investment is also being affected by higher finance and construction costs. But what does all of this mean inside the auction room? Auction activity remains significant. Figures reported by Essential Information Group showed 4,424 lots were offered in July 2026, with 2,864 selling – a 64.7% sale rate – and almost £540 million raised. Over the previous 12 months, nearly 40,000 residential lots had been offered at auction. Strettons' own recent results also demonstrate continuing buyer activity, recording an 89% sale rate and £9.79m raised in July 2026, followed by 79% sold and £7.68m raised in September. Throughout the episode, the panel explores how rising finance costs have changed buyer behaviour, why guide prices and seller expectations matter more than ever, and where experienced investors are still identifying opportunities. They also discuss: • How the auction market has changed over recent years • The impact of interest rates on investor demand and property values • How global economic uncertainty feeds into UK property • Why some properties perform extremely well at auction while others struggle • Guide prices, reserves and bidding behaviour • Commercial and residential auction opportunities • Funding an auction purchase in today's lending environment • Due diligence before bidding • What investors commonly get wrong when buying at auction • How professional investors assess opportunities differently • Where the auction and wider property market could be heading next At Quiddity Group, auctions remain an important source of acquisitions, particularly when searching for blocks of flats, value-add opportunities and properties with multiple exit strategies. This conversation provides a behind-the-scenes look at the market from professionals operating directly within it – combining the auctioneer, broker and investor perspectives at a time when finance, sentiment and property values are continuing to adjust. Whether you're already purchasing at auction or considering your first deal, this episode offers an insight into how experienced professionals are approaching the 2026 UK property market. Quiddity Group Podcast – Season 6, Episode 1 Featuring Olivia Boulting, Director at Strettons, with commercial property and investment market insights.

    Quiddity Group Podcast S6 E1 – Auction Market Update: Purchases, Trends & the Changing Auction Landscape

  5. Jul 7

    Quiddity Group Podcast S5 E7 – Title Splitting: The Blueprint for Scaling Your Portfolio

    Why "normal" buy-to-let is losing its edge — and how to scale like the corporates. In this episode, Asad breaks down why individual landlords are struggling to compete with corporate build-to-rent giants who've been scaling aggressively since 2017 — and lays out the strategy he's used for 25 years to keep growing a portfolio without running out of capital. In this episode, we cover: Why rising regulation (with fines up to £40,000 for repeat breaches) and shrinking margins are making single HMOs and single-let buy-to-lets far less attractiveHow HMO yields have dropped from 12–15% net down to around 6.5%, as utility costs have trebledWhat title splitting actually is — buying a whole freehold block of converted flats (ex-B&Bs, nursing homes, coastal holiday lets) and splitting it into individual leaseholdsHow to unlock a 25–30% uplift in value simply by breaking one freehold into multiple leasehold titlesA real example: buying a block worth £600k, refinancing it up to £800k in individual leasehold value, pulling the deposit back out, and repeating the processWhy recycling capital (rather than just buying and holding) is the only way to keep scaling long-termThe "power team" you need around you — lawyers, brokers, tax advisors, floor planners, and lease creatorsWhere to learn more: Asad's books Grow Your Wealth via Title Splitting and Scale Your Wealth in Property, the Unlocking Title Splitting podcast, mentoring, and the in-person title-splitting course/event launching September 2026About the host: Asad has been investing in UK property for 20 years and runs one of the UK's largest private residential portfolios. Get in touch via email, DM, or comment with any questions — he reads and replies to them all.

    Quiddity Group Podcast S5 E7 – Title Splitting: The Blueprint for Scaling Your Portfolio

  6. Apr 26

    Quiddity Group Podcast S5 E6 – Bridging Finance Secrets Explained

    In this episode, we’re joined by Rich from SWBF and Nathan from Castle Trust to break down the real power of bridging finance and how top investors use it to scale fast. From securing below-market-value deals to moving quickly at auction, we explore how bridging loans unlock opportunities that traditional lenders simply can’t support. Rich and Nathan share real insights from both broker and lender perspectives, giving you a full understanding of how deals are structured, funded, and executed in today’s market. We also dive into the risks — from higher interest rates and tight deadlines to the critical importance of having a strong exit strategy. If you want to learn how experienced investors recycle capital, move at speed, and grow their portfolios using bridging finance — while avoiding costly mistakes — this episode is a must-listen. Quiddity Group – Title Split Specialists. www.quidditygroup.co.uk | Landlord Platform: www.quidditydealcalculators.co.uk

    Quiddity Group Podcast S5 E6 – Bridging Finance Secrets Explained

  7. Apr 26

    Quiddity Group Podcast S5 E5 - Renters Reform & HUGE £40k FINES!

    In this episode, we sit down with David Burns, Senior Litigation Partner at Ronald Fletcher Baker, to break down the major legal changes coming through the Renters Rights Act and what they mean for landlords across the UK. From the abolishment of Section 21 to the shift in how tenancies are structured, David explains the legal realities landlords now face, how eviction processes will change, and why compliance is more important than ever. We also cover the serious financial risks involved, including potential penalties of up to £40,000 for non-compliance, and how investors can protect themselves moving forward. This episode is essential listening for landlords, property investors, and anyone involved in the UK rental market. Quiddity Group – Title Split Specialists. www.quidditygroup.co.uk | Landlord Platform: www.quidditydealcalculators.co.uk

    Quiddity Group Podcast S5 E5 - Renters Reform & HUGE £40k FINES!

  8. Apr 2

    Quiddity Group Podcast S5 E4 – AI in Property with Jade (DocuWise)

    In this episode of the Quiddity Group Podcast, we sit down with Jade, founder of DocuWise, a leading AI platform designed to simplify and summarise lengthy auction legal packs. Backed by solicitors and major auction houses, DocuWise is helping property investors analyse deals faster, reduce risk, and make more informed decisions. Jade shares the reasoning behind building the platform, why analysing legal packs is critical for investors, and how AI is beginning to reshape the property investment landscape. We also discuss the future of the platform, including its integration with the Quiddity landlord platform, and what this means for investors looking to leverage technology to gain a competitive edge. To learn more, visit www.docuwise.com.

    Quiddity Group Podcast S5 E4 – AI in Property with Jade (DocuWise)
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About

Discover the best ROI strategy in property investment! The Title Splitting Podcast gives you the opportunity to explore your questions about title splitting, helping you maximise profits and unlock new investment opportunities. Hosted by Azid, CEO of Quiddity Group, with 20+ years of property experience and over £15 million invested in real estate, this podcast delivers expert insights, practical advice, and real-world strategies to grow your property portfolio. Joining Azid on the panel are lenders, brokers, lawyers, and mentees, providing a well-rounded perspective from all the key departments involved in this powerful investment strategy. Quiddity Property Education helps property investors to maximise their return on their investment by buying blocks of flats, on one freehold and creating value through negotiation, refurbishment and title splitting. We aim to add at least 25% of value so that we can use that ‘new value created’ to use as deposit and refinance all our deposit out of each deal, in effect, getting 100% mortgages on refinance. This allows investors to keep re-using their capital to buy even more blocks of flats. We see consistent applications of this strategy achieve £10,000 per month passive rental income within 4/5 years. Starting funds can be as low as £30,000.

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