You do not have to figure this out alone
Going through a separation is hard enough without trying to understand how lenders will view your new financial situation. Most general brokers have never handled child support income, navigated the timing around Consent Orders, or dealt with a partner buyout where one person stays on the title and the other needs to come off the loan. That is all we do. Every day.
Why use a specialist divorce mortgage broker
Not all mortgage brokers are equipped to handle the complexities that come with separation. Here is why working with a specialist matters.
- We understand non-standard income. After separation, your income profile often looks very different. Child support, Centrelink Family Tax Benefit, spousal maintenance, casual or part-time work - most general brokers do not know which lenders accept these income types or how they assess them. We do, because it is all we work with.
- We know the legal timing. Refinancing during separation is not just about the numbers. The timing of your Consent Orders, your property settlement, and your loan application all need to align. Get the order wrong and you can miss stamp duty exemptions, trigger unnecessary tax events, or have your application declined.
- We have deep lender knowledge. Different lenders have wildly different policies on separation lending. Some will not touch a deal until divorce is finalised. Others will lend on the basis of a Separation Declaration alone. We know which lenders work for which situations and we match you to the right one.
- We coordinate with your legal team. Your family lawyer, your financial adviser, and your broker all need to be working from the same timeline. We sit in that gap and make sure the financial and legal sides of your settlement move together.
What we do
Refinance to sole name
Remove your ex from the mortgage and take full ownership of the property. We find lenders who will approve the loan based on your income alone and coordinate the timing with your property settlement.
Partner buyout
Buy your ex-partner's share of the family home. We calculate how much you can borrow, identify the right lender, and work with your lawyer to ensure the buyout amount matches your Consent Orders.
Fresh start lending
Need to purchase a new home after selling the family property? We help you secure a mortgage based on your post-separation financial position, including any government support you may be eligible for.
Stamp duty coordination
Every state provides a stamp duty exemption for separation property transfers, but the rules and timing requirements differ. We make sure your refinance is structured to qualify for the exemption in your state.
How it works
- Book a confidential chatWe start with a no-obligation conversation about where you are in the separation process and what you need from a lending perspective. This is completely free and confidential.
- We assess your positionWe review your income, assets, liabilities, and property settlement details. If you have Consent Orders or a Binding Financial Agreement, we review those too. If you do not have them yet, we help you understand what the lender will need before we can proceed.
- We find the right lenderBased on your specific situation, we identify the lenders most likely to approve your application. We know which lenders accept child support, which ones are flexible on casual income, and which ones will move quickly when timing is tight.
- We manage the applicationWe prepare and submit your loan application, liaise with the lender on your behalf, and coordinate the timing with your family lawyer to ensure your property transfer and refinance happen together.
- You settle and move forwardYour new loan settles, the property transfer goes through, and you have a mortgage that works for your new life. We stay in touch to make sure everything is working for you.
General broker vs specialist: what is the difference?
| Area | General Broker | Specialist Divorce Broker |
|---|---|---|
| Child support income | May not know which lenders accept it or how it is assessed | Knows exactly which lenders accept child support and the documentation required |
| Consent Orders timing | Often unaware of the relationship between legal orders and loan approval | Coordinates application timing with your family lawyer and the court process |
| Stamp duty exemptions | May not be aware of state-specific exemption requirements | Structures the refinance to qualify for the exemption in your state |
| Emotional sensitivity | Treats it like any other loan application | Understands the emotional weight of what you are going through and adjusts the process accordingly |
| Lender selection | Goes to their usual panel without considering separation-specific policies | Matches your situation to lenders with favourable separation lending policies |
| Legal coordination | Works independently from your legal team | Works alongside your lawyer, financial adviser, and mediator to align timelines |
What our clients say
"I was told by two brokers that I could not get a loan on my income after separation. Jason looked at my child support and part-time work together and found a lender that approved me within three weeks. I genuinely did not think this was possible."
"The whole process was handled with so much care. I was overwhelmed with the legal side of my separation and Jason took the finance piece completely off my plate. He coordinated everything with my lawyer and I barely had to think about it."
"I needed to buy my ex out of our family home and keep things stable for the kids. Lendology worked out exactly what I could borrow, found a lender that accepted my casual income, and got it done before school went back. Incredible service."
Income types we work with
After separation, your income often looks different to what lenders typically see. We specialise in helping people whose income comes from less conventional sources.
Every lender treats these income types differently. Some will not accept child support at all. Others will accept it but discount it by 20%. Some require the child support agreement to have at least three years remaining. We know the policies of every major lender and many non-bank lenders, so we can match your income profile to the right one.
No cost to you - ever
Our service is completely free. We are paid a commission by the lender when your loan settles, the same as any mortgage broker in Australia. You receive the same interest rate and loan terms whether you come to us directly or walk into the lender yourself. There are no hidden fees, no upfront charges, and no obligation if you decide not to proceed.
Australia-wide, 100% virtual
We work with clients in every state and territory. All of our consultations are conducted via video call or phone, which means you can speak with us from anywhere in Australia. You do not need to visit an office, and you do not need to be in South Australia where we are based. We hold the same accreditations with lenders nationwide and can submit your application to any major bank or non-bank lender in the country.
Frequently asked questions
Do I need to be divorced before I can refinance?
No. You can refinance as soon as you have separated, even if your divorce has not been finalised. Most lenders require a Separation Declaration or Consent Orders, but you do not need a divorce certificate to proceed. In fact, most of our clients refinance well before their divorce is granted.
How much does it cost to use a divorce mortgage broker?
There is no cost to you. We are paid by the lender when your loan settles, the same as any mortgage broker. You receive the same interest rate whether you come to us directly or go to the lender yourself. There are no fees, no catches, and no obligation.
Can I get a home loan if child support is my main income?
Yes, many lenders accept child support as assessable income. The key is knowing which lenders accept it, how they calculate it, and how long the remaining term needs to be. Some lenders require at least three years remaining on the agreement. Others are more flexible. This is exactly where a specialist broker adds value.
What if my ex will not sign the refinance paperwork?
If your ex refuses to cooperate, Consent Orders from the Family Court can compel the transfer. We work alongside family lawyers to ensure the legal and financial timelines align so settlement can proceed even without voluntary cooperation. This situation is more common than you might think, and we deal with it regularly.
Do you work with people who are still living together but separating?
Absolutely. Many couples continue living under the same roof while sorting out their finances. We work with you wherever you are in the process, whether you have just started thinking about separating or your property settlement is nearly finalised. There is no "too early" to have the conversation.