You cannot simply remove a name from a mortgage. The only way to release your ex-partner from a joint mortgage is to refinance the loan into your sole name. This means applying for a new loan based on your individual income and financial position. The lender assesses whether you can service the full loan amount on your own. Once the new loan settles, your ex is formally released from all liability. Lendology manages this process end to end - from assessing your capacity through to settlement and title transfer.
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Book a confidential chatWhat the process involves
Step 1: Agree on settlement terms (who keeps the property, what the equity split is). Step 2: Get a borrowing capacity assessment from a broker. Step 3: Apply for a new loan in your sole name - covering the existing balance plus the equity payout to your ex. Step 4: Settlement - the old joint loan is discharged, the new sole loan settles, and title transfers to your name only.
Can I just call the bank and ask them to remove my ex's name?
No. Banks cannot simply remove a name from a mortgage.
The only way to release your ex-partner from a joint mortgage is to refinance the loan. This means applying for a new loan in your sole name, which requires a full credit assessment based on your individual income and financial position.
What if my ex refuses to cooperate with the refinance?
Your ex-partner does not need to consent to your refinance application, but they must sign the discharge at settlement.
If they refuse to sign, your solicitor can enforce the settlement agreement through the court. Having Consent Orders in place gives you the strongest legal position to compel cooperation.
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.
Once the legal side of your property settlement is resolved, the next step is usually a financial one. That is where we come in.
Jason and Steve also help clients with first home loans, refinancing, and investment lending at lendology.com.au.
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