Money Maximising Advisors Ltd.

Mortgages After Separation & Divorce

A Clearer Path to Your Next Chapter at Home

Understand what is possible before you commit to a financial settlement. MM Advisors can help you assess your mortgage options around your income, existing commitments and stage of separation, with practical guidance on the steps ahead.

For people separating, legally separated, divorced or ending a cohabiting relationship. Every application is assessed individually.

3Mortgage routes to consider

4xFresh Start income limit*

10%Typical minimum deposit*

80Maximum age at loan end with some lenders*

BENEFITS SUMMARY

Know Where You Stand. Plan Your Next Move.

Understand your borrowing position. Explore what one income may support after maintenance, childcare and other commitments.

Check whether keeping the home is feasible. Assess the existing mortgage, any buyout payment and the cost of borrowing.

Prepare to buy again. Clarify deposit funds, your remaining mortgage liability and possible Fresh Start treatment.

Coordinate the next steps. Align the mortgage application with your solicitor’s work and the lender’s requirements.

The Starting Point

What Happens to a Joint Mortgage When You Separate?

Separation or divorce does not automatically change your mortgage contract. If both names are on the loan, both borrowers normally remain liable until it is repaid or the lender formally agrees to a change.

A joint mortgage generally carries joint and several liability: the lender can look to either borrower for the full amount due, rather than only their agreed share. Moving out, transferring the deeds or privately agreeing that one person will pay does not itself release a borrower.

Ownership of the home, the right to live there and responsibility for the mortgage must each be addressed. Your solicitor advises on property and family-law rights; the lender decides whether it will approve a change to the loan.

Checklist

Before You Agree a Settlement

Confirm who is named on the mortgage and on the property title.
Obtain a current mortgage balance and a realistic property valuation.
Check whether the proposed borrower can afford the loan alone.
Allow for a buyout, legal costs and any fixed-rate break charge.
Ask your solicitor how the settlement and lender approval should be coordinated.

A legal settlement is not mortgage approval. Do not assume an agreement or court order will, by itself, remove a name from the loan.

YOUR MORTGAGE OPTIONS

Three Routes to Consider

The right route depends on affordability, the legal arrangements and what both households need.

01 / Keep the home

Take Over the Mortgage

One person may retain the home and apply for a lender-approved change to the existing loan or a new mortgage in their sole name. Extra funding may be needed to buy out the other owner.

The lender must assess the remaining borrower and approve the release. The existing rate and terms may not be retained.

02 / Sell & move on

Sell the Property

Sale proceeds repay the mortgage and sale costs. Any remaining equity is divided in line with the legal agreement or order.

This can provide a deposit for another home. If the sale proceeds will not clear the debt, agree how the shortfall will be handled with your lender and solicitor.

03 / Agree an interim plan

Keep the Joint Mortgage Temporarily

Sometimes a sale or buyout is deferred, including where children remain in the home. Get legal advice on payments, occupation, insurance, repairs and an eventual exit.

Both borrowers remain exposed to the loan. That continuing commitment can affect either person’s ability to borrow again.

BUYING ANOTHER HOME WHILE STILL ON THE OLD MORTGAGE?

A lender will consider your existing liability even if your former partner makes the payments. A written arrangement may help explain the position, but it does not mean the old commitment will be disregarded.

COMMON OBSTACLES

What Can Make Approval More Difficult?

A workable application needs both a clear legal position and a budget that holds up after separation.

Obstacle	Why It Matters	How to Prepare
One income replacing two	The same mortgage may be harder to support on a single income, particularly with a buyout added.	Test the full proposed loan and household budget before agreeing a payment to your former partner.
Maintenance paid	Child or spousal maintenance reduces the income available for repayments. Voluntary payments should also be disclosed.	Provide the agreement or order, payment evidence and expected duration.
Maintenance received	Acceptance varies by lender. Regularity, enforceability and the remaining payment period can matter.	Keep bank evidence and legal documentation. Do not assume every euro will be included as qualifying income.
Children and two households	Childcare, dependants, rent, school costs and ongoing family-home payments can reduce affordability.	Build a realistic budget for your own circumstances, including costs that will begin after the move.
Unresolved legal terms	A lender needs clarity on property rights, debts, maintenance and settlement commitments.	Use your solicitor to establish the documentation needed. Informal separation may require more clarification.
Equity tied up in the home	An expected settlement is not the same as cash available for a deposit.	Confirm the source, amount and timing of funds. Align sale, transfer and purchase dates.
Arrears or joint debts	Missed repayments and existing liabilities may affect the lending decision.	Review your credit report, disclose debts and contact the lender early if payments are at risk.
Age and mortgage term	A shorter available term can increase repayments. Lending into retirement needs evidence of sustainable income.	Compare terms and retirement affordability rather than assuming a 30-year term will be available.
Variable earnings	Self-employment, overtime, bonuses, locum work or a return to employment may need an established income record.	Prepare accounts, tax records or payslips and check the chosen lender's income policy.
Negative equity or property issues	A debt above the home's value, title problems or an unsuitable property can block a refinance or sale.	Obtain valuation and legal advice; discuss any shortfall and security requirements with the lender.
Insurance and transaction costs	New cover, underwriting, legal fees and break charges can affect timing and affordability.	Check costs and insurance requirements early, before cancelling existing cover.

Lender policies differ. For example, Bank of Ireland asks applicants to include voluntary maintenance in outgoings. Acceptance of maintenance as income must be checked separately.

BUYING OUT A FORMER PARTNER

Worked Example: How Sarah Keeps the Home and Buys Out Mark

A fictional illustration using rounded figures. Sarah and Mark are separating. Sarah wants to remain in the family home, while Mark wants to receive his agreed share of the equity so he can move on.

1

They agree the equity split

Their home is valued at €400,000 and their joint mortgage balance is €200,000. This leaves €200,000 in equity. With legal advice, they agree to divide that equity equally, giving Mark an agreed payment of €100,000.

2

Sarah funds the buyout

Sarah has €20,000 in savings available towards Mark's payment, so she needs €80,000 in additional borrowing. Combined with refinancing the existing €200,000 mortgage, her proposed new mortgage is €280,000.

Sarah earns €90,000 a year. The lender assesses whether she can afford the full €280,000 loan on her own, taking account of maintenance, childcare, other debts and living expenses. Her salary and the property's equity do not, by themselves, secure approval.

3

They coordinate completion

In this illustration, the lender approves Sarah's sole mortgage. Their solicitors coordinate the refinancing, payment of €100,000 to Mark and transfer of his ownership interest to Sarah. The existing joint mortgage is repaid and Mark's release from that loan is confirmed.

The Numbers at a Glance

Agreed home value	€400,000
Existing joint mortgage	€200,000
Equity in the home	€200,000
Mark's agreed 50% share	€100,000
Sarah's cash towards buyout	€20,000
Additional borrowing needed	€80,000

Sarah's illustrated new mortgage€280,00070% of the illustrated property value. At an illustrative 4% interest rate over 25 years, repayments would be approximately €1,478 per month.

The rate is an assumption, not a mortgage offer. Excludes insurance, legal fees, tax, valuation fees, break charges, arrears and other settlement adjustments. This assumes an agreed equal equity split, which is not an automatic legal entitlement.

THE OUTCOME

Sarah retains the home with a €280,000 mortgage in her own name. Mark receives €100,000, which he can potentially use towards another home. This is an educational scenario, not a client testimonial.

The key step: check borrowing capacity before committing to a buyout. A settlement does not mean mortgage approval. A lender-approved borrower change or refinancing may be considered, depending on the lender and circumstances.

EXPLORE THE NUMBERS

Buyout Planning Calculator

Estimate the borrowing needed under an assumed equity split. Your solicitor must confirm the actual settlement amount.

Illustrated total mortgage

€280,000

Approximate monthly repayment: €1,478
Assumed buyout payment: €100,000
Additional borrowing: €80,000
Illustrated loan-to-value: 70.0%
Interest over the assumed term: €163,383

An illustration, not a borrowing limit. This excludes legal costs, taxes, valuation fees, break charges and settlement adjustments. It assumes the entire illustrated mortgage is repaid at the entered rate for the full term. An existing loan and a top-up may have different terms.

FRESH START AFTER SEPARATION OR DIVORCE

Could You Be Treated as a First-Time Buyer Again?

Previously owning a home does not necessarily rule out a fresh start. If you are separated or divorced and no longer retain an interest in your previous property, you may qualify for first-time-buyer treatment under the Central Bank mortgage measures.

The lender must confirm eligibility and evidence. Moving out alone is insufficient. A completed sale or transfer may establish divestment; any remaining mortgage liability must also be assessed. Each housing scheme has its own eligibility rules.

Borrowing Up to 4 Times Gross Income

Qualifying Fresh Start treatment may allow the first-time-buyer limit of 4 times gross annual income, rather than the standard 3.5 times for second or subsequent buyers. Both categories normally require at least a 10% deposit for an owner-occupied purchase.

Affordability may produce a lower loan. Maintenance, childcare, debts, age and term still matter. An allowance above the limits is discretionary.

Illustration on a €70,000 Income

At 3.5 times gross income	€245,000
At 4 times gross income	€280,000
Difference in the income limit	€35,000

A higher regulatory ceiling is not an approval. This assumes the full €70,000 is qualifying income; actual borrowing depends on the lender's assessment.

Which Supports Might Be Available?

Option	Fresh Start Position	Key Conditions
First Home Scheme	Applicants whose relationship has ended and who no longer retain a beneficial interest in the former home may qualify.	Up to 30% shared equity without Help to Buy, or 20% when using it. Requires a participating lender, qualifying property, applicable price ceiling and normally a 10% deposit. You must borrow the maximum available under scheme rules and cannot combine it with a mortgage-measures exception.
Help to Buy	Fresh Start does not restore eligibility after a previous purchase or self-build.	Revenue requires that you have not previously purchased or built a house or apartment, alone or jointly, in Ireland or abroad. All joint applicants must meet its first-time-purchaser test. Someone separated or divorced who has never purchased or built may still qualify if the other conditions are met.
Local Authority Home Loan	Qualifying Fresh Start applicants can apply after divesting of the previous home, subject to local-authority approval.	Separate income and property limits, employment history and affordability criteria apply. Current gross income ceilings are €80,000 for a single applicant and €85,000 for joint applicants. Evidence of insufficient mortgage offers from two regulated providers is required.

Understand the First Home Scheme cost: the funding buys a percentage of your home, rather than providing a free grant. Repayment reflects that equity share and the home’s value; service charges may apply. Eligible routes include qualifying new builds, self-builds and certain tenant purchases. It is not available for every second-hand home. It cannot be combined with the Local Authority Home Loan. Information checked on 1 October 2026; rules can change.

What Could This Mean for Mark?

In the buyout example above, Mark transfers his interest to Sarah and his release from the old mortgage is confirmed. If he meets the lender’s Fresh Start criteria, he may be assessed as a first-time buyer for mortgage-measures purposes when buying again. His €100,000 settlement may help fund a deposit and costs.

He may also explore the First Home Scheme if he meets its separate rules and has a funding gap. Because he previously purchased the family home, he would not qualify for Help to Buy merely because he is now separated or divorced.

Keeping the Home Is a Different Assessment

Do not assume the person retaining the existing home and buying out a partner qualifies through the Fresh Start divestment route. The lender must confirm the transaction’s classification, including any other applicable first-time-buyer provisions.

How MM Advisors Can Help

We can review the previous property interest, outstanding borrowing and legal documents, then assess lender classification, affordability and relevant scheme options. If buying with a new partner, both applicants’ histories and the joint application must be checked.

MORTGAGE PROVIDERS IN IRELAND

Pillar Banks, Other Banks and Non-Bank Lenders

Separation and divorce applications are usually assessed through ordinary home-loan, refinancing or borrower-change processes. A lender does not need to advertise a specific “divorce mortgage” to consider your situation.

Start with your existing lender when exploring a borrower release or keeping the current loan. For a new mortgage or refinance, compare suitable alternatives. Product availability, buyout funding, maintenance-income policy and retirement criteria differ.

Provider Category	Examples	What to Compare
Pillar banks	AIB, Bank of Ireland and PTSB	Existing-loan changes versus a fresh application, approved buyout purpose, age and term limits, rates, fees, maintenance and deposit evidence.
Other bank and group channels	EBS, Haven, Avant Money and MoCo	EBS and Haven are AIB Group channels. Avant Money is Bankinter's Irish branch; MoCo is BAWAG's Irish branch. Their product ranges and underwriting policies should be assessed individually.
Non-bank lenders	ICS Mortgages, Finance Ireland and Núa Money	Check current availability for the proposed transaction, accepted income, age at maturity, property criteria and total borrowing cost. A non-bank lender does not automatically offer easier approval or a lower rate.

Another option to compareNúa Money

Núa offers first-home, mover and switching products, including additional-borrowing options, through its broker channel. Its published broker information describes mortgage terms of up to 40 years and repayment into retirement based on affordability.

This may be relevant when comparing a new purchase or refinance after separation. Still to be confirmed for each case:

The appropriate product for a buyout, sole-borrower refinance or Fresh Start
Legal documents and credit criteria
The permitted age at maturity
Evidence of retirement income required
Current availability and MM Advisors' access

Compare the fit, as well as the rate. A lender whose term or income policy fits your circumstances may offer a more workable application. All providers still assess repayment capacity and creditworthiness, and the applicable Central Bank measures continue to apply. This is a market overview, not a promise that every named provider accepts every buyout or is available through MM Advisors. MM Advisors will confirm its current lender access and the suitability of each route. Provider information reviewed on 1 October 2026.

MORTGAGE TERMS BEYOND RETIREMENT

Could a Longer Term Make the Repayments More Manageable?

Some lenders may consider a mortgage extending beyond your expected retirement age. This can be relevant when rebuilding after separation later in life, because a short term can make the monthly repayment difficult to afford.

A longer term spreads capital repayments over more years. It may help the affordability assessment, but it does not ensure approval or increase the regulatory income limit. The lender must accept your ability to repay after retirement, as well as while you are working.

Examples of Published Lender Policies

ICS Mortgages

Its published guide allows lending up to age 80 where income in retirement is evidenced.

MoCo

Its published maximum term is 35 years, with a maximum age of 80 at the end of the loan. It assesses ability to service the mortgage beyond expected retirement.

Núa Money

Its broker information advertises terms of up to 40 years and lending into retirement based on affordability. The age at maturity and permitted term must be confirmed for each application.

AIB

Its published terms are linked to retirement and age restrictions, including age 69 or, subject to specified conditions, 71. Do not assume an age-80 policy applies across the banks.

Maximum ages are ceilings, not entitlements. The available term can depend on the applicants’ ages, retirement plans, income and the lender’s current criteria.

Checklist

What Evidence Might Be Needed?

Your intended retirement age and proposed mortgage end date.
Occupational pension statements or benefit projections, including public-sector benefits where relevant.
Private pension statements and a realistic income plan.
Evidence of State Pension entitlement and the date it could begin, where relevant.
Other sustainable income accepted by the lender, plus maintenance, debts and living costs after retirement.
Mortgage-protection availability and any lender insurance requirements.

Review pension income after any separation-related pension adjustment. Do not assume current salary continues throughout the loan, or that a projected pension lump sum can automatically be used to justify approval.

Illustration for a Borrower Aged 55

Assume a €250,000 capital-and-interest mortgage at 4% for the full term. A 15-year term ends at age 70; a 25-year term ends at age 80. If the borrower expects to retire at 65, both options need retirement affordability to be considered.

Assumed Term	Monthly Repayment	Interest Over Full Term
15 years to age 70	Approx. €1,849	Approx. €82,860
25 years to age 80	Approx. €1,320	Approx. €145,878

The longer term reduces the illustrated monthly repayment by about €529, but adds about €63,018 in interest and ten more years of borrowing. It is only viable if the lender accepts the projected retirement income and the repayments fit the retirement budget.

The 4% rate is an assumption, not a current offer. Figures are rounded and exclude insurance, fees and rate changes. The example is not a lender quotation or confirmation that either term is available.

HOW IT WORKS

A Practical Process, From Review to Completion

Start the affordability conversation early. It can help you and your solicitor assess whether a proposed housing arrangement is financially achievable.

1

Review your situation

Clarify whether you want to keep the home, sell, buy again or explore an interim arrangement. Record your income, debts and stage of separation.

2

Establish your budget

Assess mortgage payments alongside maintenance, children's costs, rent and living expenses. Include funds needed for the settlement and costs.

3

Confirm the legal requirements

Your solicitor clarifies ownership, occupation, settlement terms and obligations. MM Advisors checks what supporting evidence a prospective lender requires.

4

Apply to a suitable lender

Assess relevant options and submit the application and documents. Approval in principle remains conditional; it is not a final loan offer.

5

Complete lending and legal checks

The lender assesses the application, property valuation, security and insurance. Your solicitor coordinates the transfer or purchase and any existing loan redemption.

6

Complete and confirm the release

Drawdown and legal completion must satisfy the lender's conditions. Obtain confirmation that an outgoing borrower has been formally released where applicable.

PREPARE YOUR APPLICATION

Documents You May Need

The final checklist depends on the lender and the type of transaction. Gather the basics before making financial commitments.

Income, Deposit and Borrowing

Photo identification and proof of address.
Recent payslips, salary certificate and requested tax records.
For self-employed applicants: accounts, Revenue returns and business statements for the period required.
Personal current-account, savings and credit statements, often covering six months.
Current mortgage statement, balance and details of any fixed-rate period.
Evidence of rent, savings and the source of deposit or buyout funds.
Gift documentation, where applicable, and evidence of the donor's funds if requested.

Separation and Property

Separation agreement, divorce decree and relevant court orders, where applicable.
Solicitor's confirmation of financial obligations where acceptable to the lender.
Maintenance terms, payment history and remaining duration.
Details of dependants, childcare and ongoing housing commitments.
Agreed settlement and evidence of when the funds will be available.
Valuation and property or title information required for a buyout.
Evidence of divestment of the former property for a Fresh Start assessment.
For a foreign divorce: any required legal recognition evidence and certified translations.

Send personal financial and legal documents only through the agreed secure process.

COSTS & PROTECTION

Allow for More Than the Buyout

Budget for Costs

Budget for your solicitor, valuation, any survey, mortgage or broker charges disclosed to you, and any fixed-rate break cost. A new purchase also brings moving costs and potentially stamp duty. Ask for a written cost breakdown.

Tax Treatment

Tax treatment depends on whether you are spouses, former spouses, civil partners or cohabitants and on the legal basis of the transfer. Certain spouse and court-ordered transfers can qualify for relief; an ordinary transfer between unmarried partners should not be assumed exempt. Obtain tax and legal advice on stamp duty, CGT and any gift-tax implications.

Mortgage Protection

A change of borrower or mortgage may require changes to life cover, its assignment or the amount insured. Existing joint cover may not suit the new arrangement. Check whether replacement cover is required and available before cancelling a policy. Health underwriting can take time.

Home and Income Cover

Keep appropriate buildings insurance in place throughout. Consider whether income protection or cover for maintenance obligations needs a separate review. Any statutory exemption is separate from the lender’s own requirements.

FREQUENTLY ASKED QUESTIONS (FAQs)

Can I get a mortgage after separation or divorce?

Yes, it may be possible. Your income, deposit, credit history, legal obligations and existing mortgage commitments will be assessed. Separation or divorce does not, by itself, mean approval, and it is not a reason every lender will decline.

Do I have to be divorced before applying?

Not necessarily. You can begin an options review while separating. A lender may need a signed agreement, court documentation or acceptable solicitor confirmation before it can approve or complete the loan. The requirements depend on the legal and financial position.

Can my former partner simply be removed from the mortgage?

No automatic removal occurs. The lender must agree to the change after assessing the continuing borrower and the proposed security. Its process may involve a borrower amendment or a new mortgage. Ownership changes must be handled separately through your solicitor.

If I move out, am I still responsible for repayments?

Normally yes, while you remain a borrower. Moving out does not itself change the mortgage contract. Ask your solicitor about arrangements between you and your former partner, and confirm any proposed loan change with the lender.

Does a separation agreement or court order release me from the loan?

Do not assume it does. An agreement or order may deal with who should pay and who retains the home, but formal release from the mortgage needs to be addressed with the lender. Obtain written confirmation of the completed lending position.

Can I borrow extra to buy out my former partner?

Potentially, subject to approval of the purpose, total borrowing, affordability and property value. The additional amount is usually assessed alongside the existing loan. Savings or a documented gift may reduce the borrowing required.

Is a former partner always entitled to half the equity?

No. An equal split is only an illustration. Ownership rights, contributions, family circumstances and the legal settlement may produce a different result. Your solicitor should advise on the amount due.

Will a lender count maintenance I receive?

Some lenders may accept qualifying maintenance, but policies differ. They may assess the legal terms, consistency of receipt and how long payments will continue. A payment ending soon may not support a long mortgage term.

How does maintenance I pay affect my application?

It forms part of your outgoings and can reduce repayment capacity. Disclose child and spousal payments, including voluntary arrangements, together with their expected duration and evidence.

Can I buy another home while still named on the old mortgage?

Possibly, but the continuing debt can materially reduce what you can borrow. Evidence that someone else pays it does not automatically remove your liability. The proposed lender must assess both commitments and the legal arrangements.

Can I be treated as a first-time buyer again?

You may qualify under the Central Bank Fresh Start approach after separation or divorce if you no longer retain an interest in the previous property. This classification must be confirmed for your application. It does not automatically establish eligibility for a housing scheme or tax refund.

Does Fresh Start mean I can claim Help to Buy?

No automatic entitlement follows. Help to Buy has a separate Revenue first-time-purchaser test. If you previously purchased or built a dwelling, you generally will not qualify merely because the relationship has ended.

Can I use the First Home Scheme after a divorce?

Potentially, if the relationship has ended, you no longer retain a beneficial interest in the former home and you meet the scheme’s other rules. A participating lender, qualifying property and funding gap are required. The scheme takes an equity share, rather than providing a free grant.

Does Fresh Start automatically mean I can borrow 4 times my salary?

No. A qualifying borrower may access the first-time-buyer regulatory limit of 4 times gross income, but the lender must still approve the loan. Maintenance, childcare, existing debt and other living costs can result in a lower amount.

Can I qualify if I still own part of the former home?

Do not assume you can use the Fresh Start divestment route while retaining an interest. Moving out or privately agreeing that your former partner owns the home is not the same as a completed legal transfer. The lender and each scheme provider must confirm eligibility.

What if we were never married?

The mortgage still needs to be dealt with, but legal rights and tax treatment can differ from those of spouses. Property title, any cohabitation agreement and possible qualifying-cohabitant rights need legal review. Do not assume a 50/50 settlement or that a transfer will be exempt from tax.

What happens if my former partner stops paying?

Your contractual liability normally continues while you are on the loan. Missed payments can affect the joint account and future lending. Contact the lender promptly and obtain legal advice about the arrangement. If payments are becoming unaffordable, seek debt advice from MABS.

Can I keep my current fixed mortgage rate?

That depends on the lender and how the transaction is structured. A borrower amendment may be treated differently from refinancing. Confirm the rate, term, repayment and any break charge in writing before choosing a route.

What if the home is in negative equity?

If the mortgage exceeds the value, there may be no equity to divide and a sale may leave a shortfall. A standard buyout calculation will not resolve this. The lender and your solicitor must consider any sale, restructure or debt arrangement.

Can a new partner join my mortgage application?

Potentially. The lender will assess both applicants, including debts, income, existing property interests and legal commitments. Joint applications also need their own first-time-buyer or Fresh Start classification and legal ownership arrangements.

Can I extend my mortgage beyond retirement age after separation?

Some lenders may consider this if they accept evidence of sustainable retirement income. ICS and MoCo publish maximum ages at maturity of 80, subject to their criteria. A longer term can reduce the monthly repayment, but increases total interest and does not ensure approval.

Are non-bank lenders more likely to approve a separation mortgage?

There is no automatic advantage. Provider policies differ on income, term, property, credit and buyout funding. Compare a suitable bank or non-bank option against the full cost and conditions. Avant Money and MoCo are bank branches, even though they are alternatives to the pillar banks.

How long does a buyout or new mortgage take?

There is no fixed timeframe. Legal agreement, borrower cooperation, documents, valuation, insurance, lending decisions and the property transfer all affect timing. Do not commit to a completion date or a purchase based only on approval in principle.

What if I cannot afford to keep the family home?

Consider the alternatives before committing to an unaffordable settlement: a sale, a smaller home, delaying a purchase or a legally documented interim arrangement may need discussion. If the current mortgage is at risk, contact your lender and an independent debt adviser early.

Can MM Advisors act for both of us?

Ask MM Advisors to confirm the scope of its role before sharing documents. Separating borrowers may have different interests. Each person should obtain appropriate independent legal advice, and confidential information should only be shared with proper authority.

WHY MM ADVISORS?

Mortgage Guidance Within Your Wider Financial Picture

Compare Relevant Options

Explore suitable mortgage options available through MM Advisors’ lender relationships, with the proposed transaction and your circumstances in mind.

Get Your Application Ready

Clarify the evidence needed and check the affordability of a buyout or new purchase before taking the next step.

Review the Wider Impact

Separation can change your budget, insurance and longer-term plans. MM Advisors’ financial planning team can help you identify the reviews you need.

Start With a Clearer Understanding of Your Options

Tell us whether you want to keep the home, buy out a former partner or buy again. We can begin with the mortgage position and help you identify the next practical steps.

For an initial conversation, have your approximate income, mortgage balance, property value and intended outcome available. You do not need to send sensitive legal documents through a general enquiry form.

MORE HELPFUL GUIDES & ADVICE

Guides for Separation & Divorce Mortgages

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