during a separation or divorce.
Separating from a partner is a significant life transition with many moving puzzle pieces, but the mortgage financing doesn't need to be another added challenge on your plate.
Whether your goal is to buy out your partner’s share of the property, refinance your existing mortgage to payout debt, or explore new housing options, I'm here to guide you every step of the way.
Together, we’ll find the best solutions that align with your financial goals.
for your mortgage during separation & divorce
Buying Out Your Partner
If you wish to keep the family home, you may consider buying out your partner's share of the property. This process involves refinancing the existing mortgage to remove your partner’s name and adjust the loan amount.
Refinancing the Existing Mortgage
Refinancing is a fantastic option if you're looking to maintain your current property and add funds for debt payout, renovations or just to re-adjust your budget. In this process, I can help you secure better loan terms that fit your new financial situation, putting you in control of your financial future.
Transitioning to a New Home
If moving to a new home feels right for you, let’s discuss how to secure a mortgage for a fresh start. There can be many moving pieces to keep in mind, which can make it seem overwhelming. I'm here to help make the mortgage process as straightforward as possible for your unique circumstances.
Because every situation is unique I offer
and they don't cost you anything!
I’m here to listen and provide customized solutions tailored to your specific needs.
Whether you're unsure about your best option or need guidance on the next steps, I'm just a call or click away.
Let’s work together to find the mortgage solution that empowers you to move forward with confidence.
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Your questions answered.
Absolutely! If you wish to keep the family home, you may be able to buy out your partner's share through refinancing. This option allows you to maintain ownership while adjusting the mortgage to reflect your new financial situation.
The existing mortgage must be addressed as part of the divorce settlement. You can either refinance the mortgage to remove your partner's name or sell the property and divide the equity. It’s essential to work with a mortgage professional to explore the best option for you.
Your credit score may be impacted by the divorce process, especially if joint debts are not managed properly. However, with careful planning and management, you can take steps to protect your credit and secure favourable mortgage terms.
Yes! Some lenders offer specific programs designed to support individuals navigating a divorce. These programs may include refinancing for more equity than would otherwise be available for a standard refinance as an example. Since there is no one-size-fits all, the options I'll explore with you will always be tailored to your unique circumstances.
A mortgage broker can guide you through the complexities of securing a mortgage during a divorce with a wider range of options than any standalone Bank can typically offer. I’ll help you understand your options, find suitable financing solutions, and ensure the process is as smooth and stress-free as possible.
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