Property and mortgage guidance through separation

A clearer path through a difficult time.

Separation can leave you facing some of the biggest financial decisions of your life at exactly the moment when everything feels uncertain.

  • What happens to the family home?
  • Can you afford to keep it?
  • Can you refinance in your own name?
  • What happens if you need to buy somewhere else?

I'm Mitchell Davis, a mortgage broker who can help you understand your lending options and work through the mortgage side of your next step: calmly, confidentially and without unnecessary pressure.

Let's talk confidentially See common situations

Private conversation. No obligation. Your situation comes first.

A calm, sunlit living room
When separation changes your circumstances, understanding your mortgage options can be one less thing to worry about.

When your relationship changes, your finances often have to change too.

Separation can turn a straightforward financial situation into a complicated one. You may suddenly be thinking about:

  • Keeping the family home
  • Refinancing a joint mortgage
  • Buying somewhere new
  • Accessing equity
  • Selling the property
  • Managing a mortgage on one income

That's where I can help.

You don't need to have the answers before you speak to me. We can start by understanding where you are now, what you're trying to achieve and what your lending position could look like from here.

I'm Mitchell. Let's make one part of this process easier.

Going through separation can involve lawyers, accountants, property decisions, paperwork and difficult conversations. The mortgage doesn't need to add another layer of confusion.

As a mortgage broker, my role is to focus specifically on the lending side of the equation. I'll help you understand your borrowing position, explore potential lending options and explain the process in straightforward language.

You don't need to know what you need before you contact me.

You can simply tell me what's happening. We'll work from there.

“Can I keep the house?”

It's often the first question. And unfortunately, there's no universal answer. It can depend on things such as:

  • Your income
  • Existing mortgage commitments
  • Other debts
  • Living expenses
  • Equity in the property
  • Your proposed financial position after separation
  • The lender's assessment criteria
  • Any financial arrangements associated with the separation

My job is to help you understand the lending side of that equation.

Can I afford to keep my home?

The four most common situations

Choose the one that sounds closest to yours.

Keeping the family home

You may be considering taking over the existing mortgage and refinancing into your own name. I'll help you understand your potential borrowing position and what lenders may need to see.

Explore keeping the home
Working through household numbers with a calculator and paperwork

What if I'm on one income?

What happens when two incomes become one?

One of the biggest questions after separation is:

“Can I actually afford this on my own?”

Your financial position can look very different after separation. That's why it's important to understand your new position before making major property decisions.

We'll look at your circumstances and work through your potential borrowing position so you can make decisions based on real numbers rather than assumptions.

Understand my borrowing position

Keeping the home

Keeping the family home may be possible. But let's work out the numbers first.

If your goal is to stay in the family home, there can be several pieces to the puzzle.

Existing mortgage

How much is currently owing?

Property value

What is the property potentially worth?

Equity

What equity may be available?

Income

Can the loan potentially be serviced on your own?

Settlement arrangements

What financial arrangements are being made as part of the separation?

Refinancing

Could the existing lending need to be changed or replaced?

Important: Your ability to retain a property will depend on your individual circumstances, lender requirements and any legal or financial arrangements associated with your separation. I can help with the mortgage and lending side. Your solicitor or financial adviser should advise you on the legal and financial aspects of your separation.

Buying again

A new chapter may mean a new home.

If you're moving out of the family home, you may be wondering:

  • “Where can I afford to live?”
  • “Can I get a mortgage on my own?”
  • “How much deposit will I need?”
  • “What happens to my existing mortgage?”
  • “Will my financial position affect my borrowing capacity?”

Instead of guessing, let's look at your situation and work out what your potential options could look like.

Explore my next home
House keys held up in front of a new home

The process

How it works

  1. A private conversation

    Tell me what's happening. You don't need to prepare a perfect explanation or know exactly what you want to do.

  2. Understand your new position

    We'll work through your income, existing lending, debts, expenses, property position and what you're hoping to achieve.

  3. Establish what's possible

    I'll help you understand your potential borrowing position and the lending options that may be available to you.

  4. Consider your options

    Keep the home? Refinance? Sell? Buy somewhere else? We'll focus on the lending implications of the options you're considering.

  5. Work alongside your advisers

    Where appropriate, I'll work alongside your solicitor, accountant or financial adviser so the lending process fits into the broader picture.

  6. Move forward

    Once you've decided on your direction, I'll help guide you through the mortgage process.

You don't have to decide today

You don't have to know what you're doing yet.

You might be weeks away from making a decision. You might still be working through the separation. You might be waiting for legal advice. Or you might simply be trying to understand whether keeping the house is financially possible.

That's okay. You don't need to have a plan before you call me. You can start with one question:

“What are my options?”

Have a confidential chat

Confidentiality

A conversation without judgement.

Separation is personal. Your financial circumstances are personal too. When you speak with me, the focus is simply on understanding your situation and helping you navigate the mortgage side of your next step.

  • No judgement.
  • No pressure to choose a particular path.
  • No expectation that you already know what you want to do.

Just a confidential conversation about what's possible.

Why Mitchell?

  • Straightforward advice

    I'll explain the lending side of things without drowning you in financial jargon.

  • A personal point of contact

    You'll deal directly with me rather than being passed around a call centre.

  • Access to a range of lenders

    I'll help you explore lending options that may suit your circumstances.

  • A focus on your next chapter

    The goal isn't simply to get another mortgage. It's to understand what your next financial position could look like.

  • No pressure

    You don't need to make a decision simply because we've had a conversation. Sometimes clarity is the most valuable first step.

Reviews

You're not the first person to need a fresh start.

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FAQ

Questions people often ask

Something else on your mind? Ask me directly.

Can I refinance the mortgage into my name?

Potentially. This will depend on your income, expenses, debts, property position and the relevant lender's assessment criteria. I'll help you understand what your lending position may look like.

Can I keep the family home after separation?

It may be possible, but it depends on whether the loan can be serviced under your proposed financial position and other factors. I can help you assess the mortgage side of this.

Can I get a mortgage while going through a divorce?

Potentially, yes. Your circumstances and the stage of your separation can affect how lenders assess your application. The best starting point is understanding your individual position.

What if I haven't received my settlement yet?

That's something we can discuss. The timing and structure of any settlement can be relevant to your lending position, so it's important to understand how the proposed arrangements may affect your options.

Should I speak to a solicitor before speaking to a broker?

For legal matters, you should obtain independent legal advice. From a mortgage perspective, an early conversation with a broker can help you understand the lending implications of the options you're considering. Your solicitor advises you on the legal side. I help you understand the lending side.

Does talking to you mean I have to refinance?

No. The purpose of an initial conversation is to understand your situation and explore your options.

You have enough to deal with.

The mortgage doesn't need to be another thing you can't make sense of.

Whether you're trying to keep your home, refinance, sell, buy somewhere new or simply understand what's possible…

Let's work through it together.

No obligation. No pressure. Just a conversation about your options.

Let's start with where you are now.

What's your situation?

Your information will be treated confidentially.