Going through a divorce or separation is one of the more stressful reasons for changing your mortgage arrangements. Divorce usually results in the redistribution of assets and income. Often, the former marital home is sold, with both partners seeking somewhere else to live.

Understanding your mortgage options during or following a separation is important as it’s a very personal process which can turn out to be rather expensive.

For more information about divorce and mortgages, look at our mortgage guide.

John Charcol's team of mortgage experts are here to help if you’re seeking advice about what your next steps are. You can start by reading our guide above, exploring this list of most frequently asked questions, or ask your own question today.

I had a joint mortgage with my ex-wife now I'm off that and on my own am I a first time buyer again

After separation, what am I classed as for mortgage purposes? Am...

Separation

What happens to our mortgage after divorce?

Can I get another mortgage, if I already have one with my ex?

I have a mortgage with my ex partner, she lives in the house and...

Transfer of Equity

Transfer of equity

Can my name be taken off a joint mortgage without my permission

She is stating that she can just have my name removed from the...

Transfer Subject to Mortgage

We have separated but I want to keep the house.

Repossession

Can I still apply for a mortgage?

How can we remortgage my partners house to buy out his ex

Can you remortgage to buy out an ex partner? I live with my...

Can I use spousal maintenance to obtain a mortgage in the UK?

I am going through a divorce and have yet to agree a financial...

Can I take my ex husband's name off the mortgage if he's no longer paying towards it?

Could remove my ex husbands name from our joint mortgage?

Can we get a joint mortgage, but have a single name on the title deeds?

I am a first time buyer and am wanting to buy a property with my...

Can I get a new joint mortgage even though I'm still on the joint one with my ex wife?

I am now divorced and have a child with my ex wife. She now lives...

My ex won't pay his half of the mortgage what can I do?

My problem is that my ex refuses to pay half of the joint...

My ex-husband wants to come off our mortgage. Can I keep the property?

I jointly own a mortgaged house with an ex-husband. He now wants...

If my ex husband dies am I solely responsible for our mortgage?

My ex husband and I have both our names on the mortgage and he...

I want to change my mortgage into my sole name, do I owe my husband anything?

I took a joint mortgaage with my husband 7 years ago. I paid the...

My ex cant afford to buy me out our home. Can I force her to sell?

Hello, I have a house in joint names with my ex partner. There...

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