Mortgages After Divorce
Divorce can make property decisions complex – but they don’t have to be. Whether you need to refinance, buy out your partner, or remove a name from a joint loan, we help you navigate the process with speed, clarity, and the right lender support.
Your Mortgage Options After Divorce - Made Simple
Separation doesn’t mean your home loan has to become a source of stress. Whether you’re keeping the property, selling it, or buying your ex out, we’ll walk you through the best path based on your goals, income, and lender options.
We’ll help you understand what’s possible – from refinancing the loan in your name, to structuring a fair split of equity, to preparing you for your next purchase. Every step is handled with care, speed, and sharp financial advice.
Take a Name Off the Loan Without the Hassle
Removing an ex-partner from a mortgage isn’t just about paperwork – lenders need to reassess the loan in your name alone. We manage that process for you, from checking your borrowing capacity to negotiating directly with banks for a smooth handover.
If you’re keeping the property, we’ll guide you through refinancing or restructuring the loan so you’re fully in control – and no longer tied to someone you’ve separated from. No stress, no guesswork, just a clean break done right.
Get Approved to Refinance on Your Own
Stepping into a solo mortgage doesn’t have to be daunting. We’ll assess your financial position, show you what lenders are looking for, and help you secure a deal that works for your new circumstances.
Whether you’re keeping the home or planning a fresh start, we’ll structure the loan to maximise your borrowing power – and make sure your application ticks every box for a fast, confident approval.
Tailored Advice for Property Settlements and Joint Loans
Every separation is different – and so is every loan. We help you structure your mortgage to align with your property settlement, whether you’re splitting equity, buying out a partner, or navigating a joint loan post-separation.
From working with your solicitor to timing the refinance properly, we’ll make sure your finance supports the legal outcome – not complicates it. Our role is to keep things clear, compliant, and moving forward.
Start Fresh with Support That Understands Divorce
Divorce is emotional enough – your finance journey shouldn’t add to the stress. We’ve helped countless Australians navigate post-separation property decisions with empathy, discretion, and expert advice tailored to your situation.
Whether you’re rebuilding solo or preparing for your next chapter, we’ll structure a mortgage that fits your new life and gives you the confidence to move forward.
Frequently Asked Questions About Loans After a Divorce
Can I take over the mortgage after a divorce?
Yes – if the lender agrees, you can assume full responsibility for the mortgage. This typically involves refinancing the loan in your name and proving you can service the repayments on your own.
Do I still have to pay the mortgage after divorce if I’ve moved out?
If your name is still on the loan, you’re legally responsible for the repayments — even if you no longer live in the property. Until the mortgage is refinanced or the property is sold, both parties are liable.
How do I remove my ex’s name from the mortgage?
The most common way is to refinance the home loan solely in your name. The lender will assess your income, debts, and credit score to ensure you can handle the loan without a co-borrower.
What’s an assumption of mortgage and is it allowed in Australia?
Mortgage assumption means taking over an existing home loan without refinancing. While common in the US, most Australian lenders don’t allow true assumptions – they require a formal refinance instead.