We start with a private, no-obligation chat - in person, by phone, or video. You tell us where things stand. We listen without judgement and ask the questions that help us understand your financial position. No forms. No pressure. No obligation.
We assess your borrowing capacity as a single applicant, model different property settlement scenarios, and identify which lenders will give you the best outcome. We work with your family lawyer to ensure the finance and legal sides align.
Once you have a direction - whether that is refinancing to sole name, buying out your partner, or purchasing a new property - we prepare and submit your application. We handle every document, every lender request, and every step through to approval.
We coordinate settlement with your solicitor, the lender, and all parties. After settlement, we stay in touch - for rate reviews, future borrowing needs, or just a question. You always have a broker in your corner.
Separation lending is not the same as a standard home loan. Here is what changes.
You are assessed on your income alone - not the household income you had before. Lender selection matters enormously here.
Child support you pay reduces capacity. Child support you receive may count as income - but only with certain lenders.
Some lenders require consent orders before approving. Others will approve with a signed BFA. Knowing which is which saves months.
Buying out your partner's share means borrowing more than the current loan. The new loan covers the existing balance plus the equity payment.