Divorce Buy-Out Mortgage

Keep the home.
Move forward.

Refinance up to 95% of your home's value to buy out your ex-spouse's share — without forcing a sale during an already difficult time.

BBB Accredited
No fees, ever
Licensed Alberta brokers

Free instant home value estimate — beta

What's your home worth?

Free instant estimate. No obligation, no credit check.

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Property type

Living area (sq ft)

Bedrooms

Bathrooms

Enclosed parking

Year built

Finished basement

Interior updated

Your estimated value

Does this look right?

We'll use this to work out what you could access.

Your current Mortgage and/or Home Equity Line Balances

What's still owing against the home.

How much do you need?

Roughly what you're looking to access — or skip if you're not sure yet.

I don't have a specific amount in mind

What do you need the funds for?

This sets how much of your home's value you can borrow against.

How is your credit?

A ballpark is fine — we never pull your credit for this estimate.

Where should we send your results?

Your estimate will be calculated and sent shortly.

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Estimate only — not a formal appraisal or loan approval. Final amounts depend on lender criteria and a full assessment.

A warm, welcoming family home at golden hour

Divorce Buy-Out Mortgage

One conversation, handled with care

Divorce and separation are emotionally hard enough without also being forced to sell the family home, uproot kids' schools, and disrupt every routine. The Divorce Buy-Out program lets one spouse refinance the home to buy out the other's share — the home stays, life continues, and the financial separation gets clean.

This program allows financing up to 95% of the home's appraised value (vs. the standard 80% refi cap), specifically for the purpose of paying out a separating spouse's interest. Many of our clients in this situation have nowhere else to come up with that much cash quickly. This program exists for them.

Who this program is for

Right fit checklist

Court order or separation agreement. Lenders need formal documentation of the separation and the financial settlement. Verbal agreements aren't enough.
Income to qualify solo. You'll be the sole borrower going forward. The mortgage must qualify on your income alone, including any spousal/child support being paid or received.
Acceptable credit. 650+ generally; lower may be possible with strong income and stable employment. Recent missed payments are a tougher conversation.
Equity in the home. There needs to be enough equity to cover the buy-out at 95% LTV. We'll model the math before you commit.

How it works

Three steps to a quote

Confidential consultation

We talk privately about your situation and run preliminary numbers — without involving your former spouse if you're not ready for that yet.

Document collection

Separation agreement (or court order if applicable), proof of income, current mortgage statement. Most files take 1-2 weeks to assemble.

Refinance and discharge

Lawyer handles the refinance simultaneous with the title change removing your former spouse. One coordinated transaction.

Why this program

What stays, what changes

Home stays in your hands

Kids' schools, routines, your equity build-up — none of it gets disrupted by a forced sale.

95% financing available

Almost no other refinance product allows this. The federal mortgage insurance framework specifically permits it for matrimonial buy-outs.

Clean financial separation

Your former spouse is fully off title and off the mortgage. No ongoing entanglement, no co-signed liability.

Discreet process

We handle these files confidentially. Many clients prefer to keep details private until the transaction is complete.

FAQs

Common questions

Do we both need to be involved in the application?

The remaining spouse (you) is the borrower. The departing spouse signs the discharge documents to release their interest. Most of the underwriting is on your side — they don't need to qualify for anything.

What if my income alone isn't quite enough?

Several options: extend the amortization to 30 years to reduce payment, add a parent or sibling as a guarantor, sell some assets to reduce the buy-out amount needed. We'll work through them with you.

How long does the process take?

Typically 30-45 days from application to funding. Faster if everyone has documents ready; slower if there are appraisal or legal complications. Most family law lawyers are familiar with the program and coordinate well with us.

What if we want to delay and stay co-owners temporarily?

Possible, but usually unwise. Two-borrower mortgages held by separated spouses get messy fast — one stops paying, joint legal exposure, etc. Most family lawyers advise resolving the home title within 6-12 months of separation.

Is there any flexibility on credit during this period?

We try to be — the months leading up to and during a divorce often involve missed payments and stress. Some lenders explicitly accommodate this with 'matrimonial breakdown' file notes that allow softer credit interpretation.

Keep the home.Move forward.