How to Remove your Ex-Partner from the Mortgage


So you and your partner are going your separate ways, and after negotiations, legal advice, court orders, and all that jazz, it is decided that you will be taking over the mortgage.

“I can just ‘take them off’ the mortgage, right?”


In Australia, you must refinance your current home loan from joint names into your sole name. This requires a full application for finance, including an updated valuation on your property, to ascertain your equity position, and verification of your income and a serviceability calculation to ensure you can afford the repayments on the loan by yourself.

It is essential that you:

  • Keep making payments on your home loan – your repayment conduct will be judged when applying for your new home loan.

  • If you have missed payments –talk to your broker before proceeding with an application for finance, as there are lenders that accept late/missed payments (however the interest rate is usually higher).

  • Request that your bank requires both signatures to make withdrawals from your current loan/redraw/offset/savings accounts.

  • Seek advice from a mediator/family lawyer, even if you are on amicable terms with your ex-spouse. Family law is complex! We have excellent cost-effective mediators and family lawyers that we can recommend.

  • Ensure that the agreement you have made is written up as Consent Orders and sealed by the Family Court. Sealed orders from the Family Court may save you fees when transferring the property.

  • Engage a reputable settlement agent – get the right advice so that you don’t receive a bill for stamp duty.

  • Get us to order an upfront bank valuation on your property to ascertain your equity position – with ‘soft’ valuations currently being experienced in the Perth property market, your house may not be ‘worth’ what you think it is.

  • Talk to your Amplified broker before approaching a bank – we can do all of the background work and policy checks to give you the best chance of an approval.

We are here to help you through this tough time, so please reach out for more information.


Ryan Rawlins

Ryan Rawlins Dip FMBM

Director and Bank Whisperer

Direct (08)6444 4149  | 0433 809 522 

6 Money Street, Perth (Click here for Google Maps)

This article has been republished by Divorce Resource with the kind permission of the author.

The article contains general information only. For advice regarding your own personal circumstances, always seek individual advice from a qualified professional. Read the full Divorce Disclaimer here



How to save money on legal fees when you separate

Divorce isn't fair ... and nor is a black dog's bum

Do Family Lawyers deserve their fees?

My Ex is disposing of our assets after separation – What can I do?

How to harness the power of your transition




I want to thank Dr Emu a very powerful spell caster who help me to bring my husband back to me, few month ago i have a serious problem with my husband, to the extend that he left the house, and he started dating another woman and he stayed with the woman, i tried all i can to bring him back, but all my effort was useless until the day my friend came to my house and i told her every thing that had happened between me and my husband, then she told me of a powerful spell caster who help her when she was in the same problem I then contact Dr Emu and told him every thing and he told me not to worry my self again that my husband will come back to me after he has cast a spell on him, i thought it was a joke, after he had finish casting the spell, he told me that he had just finish casting the spell, to my greatest surprise within 48 hours, my husband really came back begging me to forgive him, if you need his help you can contact him with via email: or add him up on his whatsapp +2347012841542 is willing to help any body that need his help. 

Keflex And Grapefruit Juice Interactions Bloofinimi <a href=>can you buy cialis online</a> objeta Comprar Cialis 5 Mg - cialis cheapest online prices - cost of levitra 20mg 퍼스트카지노

<a href=>canadian pharmacy cialis

tadalafil online tadalafil 60 mg for sale <a href="">what is tadalafil</a>

tadalafil 60 mg for sale order tadalafil <a href="">tadalafil generic</a>

40 mg tadalafil tadalafil tablets <a href="">buy tadalafil us</a>

tadalafil 40 mg from india tadalafil 60 mg for sale <a href="">what is tadalafil</a>

tadalafil max dose tadalafil 30 mg <a href="">buy tadalafil us</a>

tadalafil dosage generic tadalafil <a href="">tadalafil 40 mg daily</a>

tadalafil 40 mg daily tadalafil 60 mg for sale <a href="">tadalafil 60 mg for sale</a>

tadalafil gel tadalafil 60 mg for sale <a href="">tadalafil daily use</a>

tadalafil 60 mg for sale 40 mg tadalafil <a href="">tadalafil generic</a>

tadalafil daily use buy tadalafil us <a href="">tadalafil online</a>

<a href=>buy cialis online uk

tadalafil brands <a href="">cialis</a> prescription tadalafil online

Add new comment

Return to top