Separation brings a lot of decisions, and the house is often the biggest one. Whether you want to keep the family home, buy out your former partner, or start fresh somewhere new, we'll help you understand your options before you commit to anything.
We assess whether you can refinance the loan into your sole name on your income.
We work out how much you can borrow to pay out their share of the equity.
We find lenders suited to single-income buyers.
Most lenders want to see your separation formalised, typically through a financial agreement or consent orders, before they approve a buyout. They'll also assess your income on its own, including child support or spousal maintenance where it's documented. Every lender treats these differently, which is where a broker makes the biggest difference.
The best time to speak with a broker is before your property settlement is finalised. Knowing what you can borrow helps you and your lawyer negotiate a realistic outcome.
Possibly. It depends on your income, your expenses, the loan size and your equity share. We can give you an indication in one conversation.
Many lenders accept it with a formal agreement or a payment history, though policies vary.
No. A conversation with us is confidential.
Yes. We handle the lending side, and a family lawyer handles your settlement. We often work alongside both.
A free, no-obligation conversation about your options — 100% online, wherever you are in Australia.
📅 Book a confidential chatThis information is general in nature and doesn't consider your personal circumstances. True North Mortgage Brokers Pty Ltd is a Corporate Credit Representative (578657) of Freedom Aggregation, ACL 384404.