Working out if you can keep the home
One of the first questions is whether one of you can refinance the loan into a single name and buy the other out. We work out your borrowing position on your own income, what the home is worth now, and whether keeping it is realistic or whether a fresh start somewhere new is the kinder option.
A buy out, explained simply
Refinancing to release one party from the loan has moving parts, valuations, timing, and sometimes legal steps. I have walked people through this many times. You will understand each step before it happens, and I will tell you the truth even when the truth is not yet.
Someone who gets it
I am not a broker who has only read about hard chapters. I have lived through my own. I know what it feels like to sit on the worried side of the desk hoping someone gives you a straight answer instead of a sales pitch. That is the help I once needed, and it is the help I give.
Good questions, straight answers.
Can I take over the loan on my own?+
Possibly. It depends on whether you can service the loan on your own income and the home's current value. We work that out clearly before anything is decided.
What is a buy out?+
It is refinancing the home loan so one person is released and the other keeps the property, usually paying out the other party's share. We map the steps and timing.
What if keeping the home is not realistic?+
Then I will say so kindly, and we look at what a fresh start could look like instead. The honest answer is always the goal.
Do you work with my lawyer?+
Yes. Where there are legal steps, I work alongside your legal advice so the finance side lines up with it.
Not quite your situation?
Ready when you are
Pick a time that suits you. We talk through where you are and what is possible. No cost, and no pressure after it.