Canberra has the highest divorce rate per capita in Australia. With a large public service workforce providing stable incomes, sole-income refinancing is often more straightforward. The ACT does not offer a FHOG, but the Home Buyer Concession Scheme provides stamp duty savings of up to $35,238.
Median house price in Canberra: $903,000
How we help Canberra clients
Refinance to sole name
Remove your ex from the mortgage and take over the loan independently. We assess whether you can service the loan on a single income.
Partner buyout
Calculate the equity split, structure the buyout finance, and coordinate with your lawyer on timing.
Fresh start lending
New home loan after your property settlement. We help with deposit strategy, including the Family Home Guarantee (2% deposit).
Stamp duty exemptions
Ensure your separation property transfer qualifies for the ACT stamp duty exemption. We coordinate timing with your legal team.
Why work with a separation specialist?
- We understand how lenders assess child support, Centrelink payments, and spousal maintenance as income
- We coordinate with your family lawyer to align the finance and legal timelines
- We know which lenders are most flexible with separation circumstances
- Confidential, non-judgmental advice from brokers who handle separation cases every week
- No cost to you - we are paid by the lender, not by you
Our service is 100% virtual
We work with Canberra clients entirely online and by phone. No need to visit an office. Your first consultation is a confidential, no-obligation chat where we assess your situation and explain your options.
See our full ACT separation finance guide for stamp duty exemption details, FHOG eligibility, and local support services.