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Quick answer

How long does it take to refinance after separation answered.

A straight answer from Australian mortgage brokers who specialise in separation finance.

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Last reviewed: May 2026

Once your settlement terms are agreed and you have the required documents, the refinance application typically takes 2 to 4 weeks for approval. Settlement follows 2 to 4 weeks after that. The total process from lodgement to keys is usually 4 to 8 weeks. The legal settlement itself can take longer - often 3 to 6 months - and Lendology can work with you during this phase to ensure the finance is ready when the legal side is finalised.

Related reading
Documents needed to refinance How to refinance to sole name Do I need consent orders? Separation finance timeline What to expect at your first appointment
Steve Chin
Steve Chin
Mortgage Broker at Lendology. MFAA member, 8+ years in finance. Specialises in separation finance across Australia.
Jason Given Steve Chin
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.

Jason and Steve also help clients with first home loans, refinancing, and investment lending at lendology.com.au.

Related guides

Can I Refinance a Home Loan Into My Name Only After Divorce? Documents Needed for Separation Refinancing Do I need consent orders before I can refinance?

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Separation Finance Timeline Am I ready to refinance after separation? Documents needed for separation refinancing Do I need consent orders before I can refinance?