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Separation finance guides.

Written by licensed Australian mortgage brokers who specialise in separation finance. Practical, honest, and non-judgmental.

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Articles
Mortgage
What happens to the mortgage when you separate?
Both parties remain liable until the loan is formally resolved. Here is what that means and what to do.
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Refinancing
Can I refinance into my name only after divorce?
Yes - here is how sole-name refinancing works and what lenders need to approve it.
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Borrowing
How does child support affect borrowing capacity?
Payments you make reduce capacity. Payments you receive may count as income - with the right lender.
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Settlement
How Does a Property Settlement Work in South Australia?
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Borrowing
Can I Get a Home Loan as a Single Parent After Separation?
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Legal
De Facto Separation - Are the Finance Rules Different?
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Finance
How to Protect Your Credit Score During Separation
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Costs
Stamp Duty Exemptions on Separation Property Transfers in SA
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Legal
What Is a Binding Financial Agreement (BFA)?
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Fact sheets
Checklist
Property settlement finance checklist
Everything you need to gather before your finance assessment.
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Documents
Documents needed for separation refinancing
The complete document list for refinancing to sole name or buying out a partner.
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Timeline
Separation finance timeline - what happens when
From initial separation to settlement - the typical timeline and what to expect at each stage.
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More answers
Who pays the mortgage after separation in Australia?
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Can my ex force me to sell the house after separation?
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How are assets divided in a divorce in Australia?
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What happens to joint bank accounts during separation?
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Can I get a home loan on Centrelink payments in Australia?
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How long do I have to make a property claim after separation?
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What is spousal maintenance and does it affect borrowing?
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Can I use my super to buy a house after divorce?
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Do I need to tell my lender we are separating?
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How do I remove my ex from the mortgage?
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Essential guides
Emergency
First 48 hours after separation
What to do right now to protect yourself financially.
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Mistakes
10 financial mistakes to avoid during separation
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First meeting
What to expect at your first appointment
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Reference
Separation finance glossary - 25 terms explained
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Advanced topics
Property
Negative equity after separation
What to do when the home is worth less than the mortgage.
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Lending
Bridging finance during separation
How bridging loans work when you need to buy before settlement.
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Super
How superannuation is split in a divorce
Splitting mechanisms, flagging orders, and tax implications.
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Tax
Capital gains tax and the family home
The six year CGT rule and how it applies during separation.
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Legal
Consent orders vs binding financial agreements
Side by side comparison for refinancing purposes.
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Resources
Crisis lines, legal aid, and counselling services
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Trusted professionals - lawyers, conveyancers, valuers
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Quiz
Are you ready to refinance? Take the quiz
8 quick questions to see where you stand.
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Download
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You might also read
First 48 Hours After Separation 10 Mistakes to Avoid with Separation Finance Separation Finance Guide - Download Property Settlement Finance Checklist Separation Finance Glossary