Updated on 14/03/25 by Ben_OVO
Hi @Johnsmith1682
Welcome to the customer forum, i am just a customer like you, not a qualified electrician.
A cut out is basically the main fuse(s) you see in your home. These sit before your meter. Most homes are single phase, but 3 phase is becoming more common due to things like heat pumps and Electric Vehicle charging.
https://www.ukpowernetworks.co.uk/help/what-is-a-cut-out
So with a cut out setup you only need one meter, albeit a 3 phase meter. You will find a lot of small scale student accommodation has this setup.
This is a MSDB Multi Service Distribution Board setup for flats
https://www.beama.org.uk/static/8450cb4e-3c53-4a9a-8d2a8b6f04ff1bab/Technical-Bulletin-Safely-using-Multi-Service-Distribution-Boards.pdf
This splits the supply into multi circuits in your case for the 10 flats and common areas, before the meter, so you would then need a separate single phase meter for each of the 10 circuit/flat as per the diagram. So a fuse for one flat may blow, but the others may not. Also with 10 meters you will have 10 sets of standing charges.
What option has your electrician recommend in line with any regulations? Either option is a possibility.
Out of curiosity, are you planning on having a separate physical consumer unit for each flat, located within each flat, irrespective of which National Grid option you go with (Cut Out or MSDB)?
If you post updates i am sure it will help other customers on the forum going forward.