Melbourne's property market offers more affordable options than Sydney, but separation buyouts still regularly exceed $400,000. Victoria's Digital Duties Form makes the stamp duty exemption process straightforward. We help Melbourne clients refinance to sole name and structure partner buyouts.
Median house price in Melbourne: $977,000
How we help Melbourne 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 VIC 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 Melbourne 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 VIC separation finance guide for stamp duty exemption details, FHOG eligibility, and local support services.