Content reviewed: 13 January 2026
What are my mortgage options after divorce?
After divorce, you can buy out your ex-partner's share through remortgaging, sell the property and split equity, transfer equity into one name, or purchase a new home separately. Many lenders accept applications during separation before the divorce is finalised. Child maintenance can often be used as income for affordability.
How do mortgages work after divorce?
After divorce, you can buy out your ex-partner, sell and split equity, or transfer the mortgage to one name. Many lenders accept applications during separation. Maintenance payments can count as income. Your Home Finance provides sensitive, confidential advice during this difficult time.
Our Promise to You
Compassionate Approach
We understand this is an emotional time. Our advisers listen without judgement and focus on finding solutions.
Complete Confidentiality
Your situation stays private. We won't contact your ex-partner without your explicit permission.
At Your Pace
No pressure. We work at your pace and provide clear information so you can make informed decisions.
Your Options During Separation
Remortgage to release equity and buy your partner's share of the property, keeping the family home.
Sell the property, divide the equity, and each purchase separately. We can help both parties.
Remove one name from the mortgage and title deeds, transferring full ownership to one partner.
Convert your joint mortgage to a sole mortgage in one name, subject to affordability.