Divorce and mortgage guidance
Mortgage assumption
After a separation, one partner may be able to keep the house and take over the current mortgage and interest rate. Banks often assess these situations differently than a first mortgage application, which can create more possibilities than expected.
Repaying an ex-partner
The departing partner is usually entitled to part of the home’s value. In many cases, the bank can include this amount and related transfer costs in the updated mortgage. The ownership transfer is officially arranged through a deed of partition.
New mortgage
Planning to move out after a breakup? Domek helps you understand your mortgage options and financial possibilities in your new situation. Initial calculations and advice are free of charge.
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What happens to your home after separation?
A breakup requires not only soothing emotions but also settling matters related to money, taxes, and law. Likely, this decision will also impact where and how you will live.
Do you have a mortgage with your ex-partner, or alone? Do either of you want to stay in a shared house after the breakup? Or perhaps you will decide to sell the property?
At Domek.nl, we will help you understand the available options and maintain control over your financial situation.
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Do you have any questions? Contact us via email or give us a call — our team is here for you every step of the way.
No, selling is only one of the options. If one partner can take over the mortgage or a buy-out is possible, you may not need to sell. We help you compare all options before making a decision.
A buy-out means that one partner pays the other their share of the property value. This is usually based on the equity in the home. In many cases, the bank can finance the buy-out, so you don’t always need savings.
Yes, if their income is sufficient to carry the mortgage alone. The bank will reassess the situation based on one income. Because you already live in the property, banks sometimes apply more flexible criteria than with a new mortgage.
The value is usually based on a professional valuation. This determines how much equity is in the property and what needs to be settled between both partners.
When the property is sold, the mortgage is repaid at the notary. Any remaining amount after repayment becomes equity, which is then divided between both partners according to your agreement.
Yes. We calculate how much you can borrow based on your new situation, including your income and financial obligations. This helps you understand what kind of property you can afford next.
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