What happens at the first separation finance appointment?

We have a confidential conversation about your situation, look at your property and loan details, discuss your goals, and give you an honest assessment of your options. No paperwork is required.

Do I need to bring documents to the first meeting?

No. The first conversation requires nothing except your time. If you happen to have loan statements or property details, they can be helpful but are not necessary.

How long does the first appointment take?

Typically 30 to 45 minutes. This can be by phone or video call, whichever you are most comfortable with.

115 five-star Google reviews Confidential separation finance No cost to you - always

Home › What to Expect at Your First Separation Finance Appointment

Your first meeting

What to expect at your first appointment.

You do not need to have everything sorted. You just need to show up. We handle the rest.

Book a confidential chat 08 8270 5138

Last reviewed: April 2026

By Steve Chin - April 2026 - 4 min read

Before the meeting

You do not need to prepare anything. If you have documents handy (mortgage statement, payslips, bank statements), bring them. If you do not, that is fine - we will tell you what we need after we understand your situation.

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

What we will ask you

We will ask about:

-Your current property and mortgage (approximate value, balance, who is on the loan)
-Your income (employment type, rough amount)
-Any other debts (credit cards, car loans, BNPL)
-Children and child support arrangements (if applicable)
-What you are hoping to achieve - keep the home, sell, buy new, or you are not sure yet

What we will NOT ask

We will not ask about the reasons for your separation, whose fault it was, or anything about your relationship. We deal with the finance, not the personal side. Everything you share is confidential.

What you will walk away with

✓A rough idea of your borrowing capacity on your own income
✓Whether keeping the home is financially achievable
✓What the next steps are (and in what order)
✓A personalised document checklist if you want to proceed
✓Clarity - which for most people is the biggest relief

How long does it take?

About 30 minutes. By phone or video call - we work with clients across Australia - whatever you prefer. There is no obligation to proceed after the meeting.

The hardest part is making the first call. Everything after that gets easier.

Steve Chin

Mortgage Broker at Lendology. MFAA member, 8+ years in finance. Specialises in separation finance across Australia.

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.

True wellbeing begins at home.

Ready to talk?

Book a time with Jason or Steve. Confidential. No cost. No obligation.