How does the Lendology separation finance process work?

It starts with a confidential conversation to understand your situation. We then assess your borrowing position, coordinate with your legal team, submit and manage the application, and support you through settlement.

How long does the process take?

The finance side typically takes four to eight weeks once settlement terms are agreed. The overall timeline depends on your legal process. We can begin assessment before legal matters are finalised.

Is there a cost for the service?

No. Lendology is paid by the lender at settlement. There is no cost to you at any stage, including the initial conversation, assessment, and ongoing support.

True wellbeing begins at home.

Your process

How separation finance works.

Every situation is different. Here is the process we follow to help you move forward with clarity and confidence.

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A confidential conversation

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.

Want to know how this applies to your situation?

Book a confidential chat with Jason or Steve. No cost, no obligation.

Book a confidential chat

We map out your options

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.

Application and approval

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.

Settlement and beyond

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.

What makes separation finance different

Separation lending is not the same as a standard home loan. Here is what changes.

Single income assessment

You are assessed on your income alone - not the household income you had before. Lender selection matters enormously here.

Child support treatment

Child support you pay reduces capacity. Child support you receive may count as income - but only with certain lenders.

Consent order timing

Some lenders require consent orders before approving. Others will approve with a signed BFA. Knowing which is which saves months.

Equity buyout structuring

Buying out your partner's share means borrowing more than the current loan. The new loan covers the existing balance plus the equity payment.

Jason Given and Steve Chin

Licensed mortgage brokers · MFPA designated · MFAA members · Australia-wide

We are not just explaining the process. We arrange the actual finance: refinancing into your sole name, funding a partner buyout, or setting up a new loan independently after settlement. We work with a panel of over 60 lenders to find the one that fits your situation.

The part we handle

Once the legal side of your property settlement is resolved, the next step is usually a financial one. That is where we come in.

Refinance to sole name

Moving the joint mortgage into one name so you can keep the home.

Partner buyout

Funding the equity payout to your former partner as part of the settlement.

New loan in one name

Purchasing your next property independently after settlement.