Separation Mortgage Guide

A guide to support you through the home-buying process after a divorce or separation. If you're ready for personalized advice, go ahead and click "get started" below.

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A separation doesn’t mean the end of mortgages

Marriage separations can be stressful. There are so many decisions to make, it can feel overwhelming. Finding a solution can help make the separation process just a little bit easier.

Selling a jointly owned home and splitting the money is an option, but it’s not the right one for every couple or family. If you would prefer to keep the home, and assume full ownership by buying out your partner, Robinson Mortgage Group can help.

We’ll help you find financing if you’re getting divorced or separated

Our role at Robinson Mortgage is to do our best to alleviate any worries related to your mortgage and financing, to help you transition easily and efficiently from joint ownership to sole ownership. When you’re going through a separation, having a stable and comfortable place to live takes on even more importance. You want a secure place to be, to continue your journey in your next phase of life.

Based in B.C.’s Fraser Valley, we have supported many people in Abbotsford, Chilliwack and further afield find great mortgages and financing during challenging life situations. We’ll provide all the information, expertise, and personalized support you need—starting with this handy mortgage guide. If you have other questions, don’t hesitate to reach out.

Separation Mortgages FAQ

What’s the process for transitioning from joint to sole ownership of our home?

You’ll need to buy out your former partner. To do that, you refinance your mortgage and give your partner a lump sum.
How do I qualify for a mortgage on my own?

Like any mortgage, you show a combination of assets and income to obtain the mortgage financing you need. You’ll also need to show your separation agreement, if you have one, and note any child or spousal support payments you are making or receiving. Once you qualify for a mortgage, you need to release your former partner from your mortgage and remove them from your home’s title. There may be fees for these.
How do I know how much I can qualify for?

That’s where Robinson Mortgage Group comes in. Click any of our "Get Started" buttons to start the process of understanding how much you can qualify for. Note that spousal and child support payments received count as qualifying income on your application, and payments you will be making must also be taken into consideration when being qualified.
Do I need to be formally divorced to proceed?

No.
How do I show my share of our assets, when they were jointly owned?

Your separation agreement will outline how any jointly owned assets will be divided. You can use bank and financial statements to show your share of the assets. Assets transferred to your sole ownership require confirmation of deposit into your personal accounts.
Should I have a different broker than my partner?

No. In fact, it’s easier if one broker manages the process for both parties. It helps ensure the process goes smoothly and that the title updates and timing are well managed. If either party needs bridge financing to accommodate differences in timing between buying and selling, we can help find a solution. A separation mortgage can be a complex scenario, so having one team that understand the full scope of issues is a huge benefit. It goes without saying that complete and total privacy is guaranteed.

Hear from a few of our happy customers

Val Meyer

Matt was wonderful when we were buying and selling our house. As soon as we had a place we were considering, he would crunch the numbers for us and see if it was doable or not. Hes very quick in response time and easy to communicate with. This is our second time using him and we will continue to use his services in the future. Thanks Matt!

Nico Abais

As a first-time home buyer, my first resolve was to search for information online and sure enough I find bits of information all over the place. Then we were introduced to Matt. He will answer all your questions in a timely manner and guide you with the whole process and expectations. Matt will work his way to get you the best rate!

Tash Stobbart

Robinson Mortgage were very helpful in obtaining our first mortgage. We had difficulties dealing with banks because my husband is a contractor and has multiple T4’s and his income tax is complicated but Matt and his team made it easy. I would highly recommend to anyone looking for a mortgage and in fact I have sent friends his way.

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Expert mortgage advice is just a phone call away

Got questions? We’re happy to help. Reach out anytime or schedule a time that works for you. And we’ll help you get closer to your dream home.

Meet Matt

Robinson Mortgage is owned and operated by Matt Robinson, a professional mortgage broker based in British Columbia’s beautiful Fraser Valley. Matt has helped countless people in Abbotsford, Chilliwack, Mission and beyond navigate the process of finding financing for their home. Whether you’re buying your first place, consolidating your mortgage, or getting ready for a future purchase, Matt is your man with a mortgage plan.

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