Subdivision
Dividing one property into multiple titles. Complex finance and tax.
What is Subdivision?
Subdivision is the legal process of dividing one property into two or more separate titles — common for dual-occupancy developments, battle-axe splits, and duplex builds. Requires council approval, survey work, and new title registration.
Why it matters for you
Subdivision unlocks significant capital growth potential — one title becomes multiple saleable assets. Finance structure is specialised: some lenders offer "subdivision-friendly" loans with staged drawdowns. Tax implications are complex — potentially GST, CGT and income tax on profits. Always get specialist tax advice.