Navigating Your Home Loan After Divorce

When you’re going through a divorce or separation, you need someone you can trust that will just make things as easy as possible when it comes to solutions and options for your home loan. Whether you’re keeping the family home, buying out your ex-partner, selling and starting fresh, or refinancing your loan, we’re here to guide you through the process and secure the right home loan solution for your new circumstances. We understand these things take time with lots of moving parts, and we’re here to support you to make informed decisions for your next chapter.

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home loan options after divorce

how we can help

If you are separating or going through a property settlement, Base Home Loans can help you understand whether it may be possible to refinance, buy out your former partner, keep the family home or purchase again after divorce. We help you work through borrowing capacity, lender requirements, child support or maintenance income, equity, repayments and timing so you can make clearer decisions during a difficult transition.

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Getting the right advice early can make the process smoother, protect your financial position, and help you move forward with confidence.

the next step for your home loan after divorce

Moving Forward With Confidence

When a relationship ends, property and finances usually need to be divided. This often means reviewing or changing your home loan after divorce. Lenders look at income, expenses, debts, and legal settlements differently when you’re no longer applying jointly. We can help to guide you through the following considerations as you work through your divorce:

Deciding if it’s possible for one party to keep the property
Buying out a former partner’s share
Refinancing into a single name
Managing child support or spousal maintenance in loan assessments
Adjusting repayments to match your new budget
Coordinating legal, valuation, and settlement requirements

discuss your options today

What are some options for your Home Loan options after divorce

Refinancing to Remove a Joint Borrower

If one person wants to keep the property, the loan usually needs to be refinanced into their name only. This involves a property valuation and evidence that you can service the loan on your own.

Selling and Starting Fresh

Sometimes selling is the best way forward. Sale proceeds pay off the current mortgage, with the balance split as part of the property settlement. We can help you plan for your next purchase and secure pre-approval when you’re ready.

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Buying Out Your Ex Partner’s Share

You may need to borrow extra funds to pay your former partner their agreed share of equity. We’ll help you understand how much equity you have, the loan options available, and what repayments will look like.

Adjusting Your Loan Structure

If you’re keeping the home but your financial situation has changed, restructuring your loan may help. Options include switching between principal & interest and interest-only repayments, consolidating debts, or accessing equity for a fresh start.

Frequently asked questions

Your situation is unique and there is often many options available for each scenario. But here are some frequently asked questions which may help clarify things for you.

Yes, but the lender will reassess your income, debts, and affordability as a single applicant. Legal documents such as consent orders may also be required.

Usually through a formal property settlement. A property valuation helps determine the amount available after paying out the mortgage.

Possible costs include lender application fees, discharge fees, valuation fees, and legal costs. We’ll outline everything upfront.

Yes, factors like reduced joint income, child support, or shared debts may impact your serviceability. We’ll help you understand what you can borrow.

On average, refinancing or restructuring takes 4–8 weeks, depending on valuations, lender turnaround times, and legal steps.

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How Base Home Loans can help with your home loan after divorce

Compassionate, professional advice tailored to your situation
Access to a wide panel of lenders, including flexible options
Clear communication at every step
A trusted partner to guide you through your options

book a call now

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 4 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. +0I highly recommend Daniel from Base Home Loans. This is the second time we’ve used his services, and once again he has been outstanding. The first time, Daniel helped us secure our home loan in Perth, and now he has guided us through buying our new home in Melbourne. Despite the different states and processes, everything was handled professionally and smoothly.

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Why Work With Daniel

Most clients don’t come to us with just a single financial question. Many are navigating several major life events simultaneously, from first home purchases to family changes or career transitions. At Base Home Loans, Daniel provides not only expert mortgage guidance but also steady support, helping clients make clear, confident decisions even in stressful situations.

While it’s not something to boast about – no one wants the title of home loan divorce specialist – you do need someone experienced to guide you through it. Daniel is an experienced mortgage broker who has helped many, many new and existing clients navigate their home loan options through their divorce – sometimes assisting both partners concurrently. His approach is one grounded in empathy, compassion, confidence, patience and respect for all parties, understanding that this process is rarely linear. He will provide a steady presence as you are guided through your options, making it as simple and straightforward for you as possible.

Mortgage loan Broker Perth Daniel Niederberger

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