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Divorce and your mortgage

6 November 2018

The pandemic has had an impact on all areas of life, including relationships. Citizens Advice reported a 25% upswing in visits to its divorce page in the first weekend of September 2020 compared with 2019.1

Detangling the mortgage

There are several routes to take when it comes to dividing your property.

Selling the property and splitting the proceeds

This may be an attractive option  if the proceeds from the sale  will enable each partner to buy  a new home.

Buying your partner out

If you can afford to, it may be possible  to buy your former spouse’s share in the property in order to take complete ownership.

Selling up when the children have moved out

It is possible to keep the ownership of your home unchanged until a later date (to provide stability for your children, for example), and only sell up once they have moved out.

Making the decision

Depending on your relationship with your ex-partner, it may be difficult to agree on what should happen to your mortgage. If so, a court will decide for you, prioritising the wellbeing of any children in order to minimise the disruption to their lives.

Getting your life back on track

Our sympathetic advisers are on hand to help you get your life and finances back on track. Whether this be through helping you organise your post-divorce finances or assisting you in finding a suitable mortgage for a new property, we’re here to help you move forwards.

1Citizens Advice, 2020

Source: Quilter Financial Planning – Essentially Mortgages Q2 2021

🚨Think carefully before securing debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage.

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