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Separation finance Adelaide

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Lendology helps Adelaide residents restructure their lending after separation - buyout loans, refinancing and purchasing independently. We handle the finance so you can focus on the rest.

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Last reviewed: June 2026

Home›Home Loans›Separation finance Adelaide

Separation and property finance

The finance options when a relationship ends

Separation involves some of the most significant financial decisions you will make. The family home may need to be sold, one party may want to buy out the other, or both parties may need to establish independent lending. Lendology handles the finance side with professionalism and sensitivity - helping you understand your options and move forward.

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Buyout serviceability - We calculate whether the buying party can service the existing mortgage independently - factoring in child support, spousal maintenance and any new financial obligations.

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Income from maintenance - Some lenders accept child support or spousal maintenance as income when assessing serviceability. Treatment varies - Lendology identifies the most favourable lender for your income combination.

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Property valuation - An accurate property valuation is critical for a fair buyout. Lendology works with lenders who use independent valuers - not drive-by estimates.

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Stamp duty on transfers - Property transfers resulting from a relationship breakdown may be exempt from stamp duty in SA in certain circumstances - your family lawyer or conveyancer advises on this. Lendology coordinates the finance alongside the legal process.

Book a chat Call 08 8270 5138

How it works

The Lendology process

Understand your current position

We review the existing mortgage, current property value, available equity and each party's individual income and liability position.

Identify the options

We present the realistic options - buyout, sell and split, or both parties purchasing independently - with an honest assessment of what is financially achievable.

Structure the new loan

For buyout situations we arrange the new loan in the purchasing party's name, coordinating with your family lawyer and conveyancer on the transfer of title.

Independent purchases

For either or both parties purchasing separately, we assess borrowing capacity independently and identify the right loan across our lender panel.

Dedicated resource hub

Separation finance hub

Calculators, guides, fact sheets, client stories, and answers to every question about separation finance.

Visit separation.lendology.com.au →

Property settlement calculator Solo borrowing calculator Can I refinance after divorce? Child support and borrowing Property settlements in SA First 48 hours after separation Client stories All guides and articles

Google reviews

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Guides and tools

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Guide

Separation finance - your options

Refinancing savings calculator

Common questions

FAQs

Can I buy out my ex-partner from the family home?

Yes - if you can service the mortgage independently. Lendology assesses your borrowing capacity as a sole borrower, taking into account your income, any child support or maintenance obligations, and the equity position. If you can service the loan, we arrange the refinance into your name alone.

What happens to the mortgage if we separate?

Both parties remain jointly liable for the mortgage until it is refinanced into one name or the property is sold. Lendology can advise on the finance options - but decisions about property settlement are ultimately agreed between the parties and may require a family lawyer.

Can child support income be used when applying for a home loan?

Some lenders accept child support payments as income when assessing serviceability. Treatment varies - some accept 100% of child support, others apply a shading factor or require the payments to have been received for a minimum period. Lendology identifies the most favourable lender for your income combination.

Is stamp duty payable when transferring the property between separating partners?

In SA, property transfers resulting from a marriage or de facto relationship breakdown may be exempt from stamp duty in certain circumstances. This is a legal question that your family lawyer or conveyancer will advise on - Lendology coordinates the finance alongside this process.

Your separation finance specialist

Jason Given MFPA

Director & Mortgage Broker

Jason founded Lendology to give Adelaide borrowers honest, expert advice that is genuinely in their corner. His particular strength is in complex and non-standard lending - self-employed borrowers, company directors, trust structures, and anyone whose situation does not fit the standard mould. He holds the MFPA designation - one of the first four awarded in South Australia.

MFPA

Designation

2018

Broking since

60+

Lenders

Separation finance Property settlement Refinancing after divorce Equity buyout

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