Separation is one of life's most significant financial events. Understanding your position early gives you options — and options are what you need most during this time.
Your borrowing capacity is assessed on your individual income and expenses as a single borrower. Child support, spousal maintenance, or rental income can all be included where applicable. We calculate your realistic capacity based on your actual circumstances.
If you owned a property jointly, you may be entitled to equity from that property as part of your settlement. This equity can be used as a deposit for your next purchase. Coordinating your lending and settlement timeline matters — we can help.
Joint debts including the former family home mortgage still appear on your credit file while you are named on them. We factor this into your assessment from the start so there are no surprises.
Child support payments you make reduce your assessed income. Child support you receive can sometimes be included as income. We know which lenders are most flexible and structure your application accordingly.
The best thing you can do is understand your position early — before the property settlement is finalised if possible. Book a confidential chat with Jason or Steve and we will walk you through your options.