[et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”16px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
A divorce brings its share of important decisions, but beyond the emotions, there is a financial reality that must be structured quickly. In many cases, the main asset to be divided is the family home, and the choices made at that time can affect your financial stability for several years. <\/p>\n
Whether you are considering selling the property or buying out your ex-spouse\u2019s share, it is essential to understand the mortgage implications before making a decision.<\/p>\n
[\/et_pb_text][et_pb_heading title=”Payments and credit file during a divorce: an absolute priority” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
Even in a difficult context, continuing to meet your financial obligations is non-negotiable. A late payment on a mortgage or a joint account can quickly affect your credit file and make it harder to obtain new financing. A few months of instability can be enough to significantly reduce your borrowing capacity or increase your interest rate. <\/p>\n
Even if a temporary agreement exists between both parties, it does not protect your credit if payments are not made on time. It is therefore essential to maintain strict financial discipline throughout the separation period. <\/p>\n
[\/et_pb_text][et_pb_heading title=”Joint accounts and credit after a separation: avoid costly mistakes” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
Your finances must be separated quickly. Joint accounts represent a significant risk. It is recommended to review all your financial commitments, close or restructure shared accounts, and check your credit file with agencies such as Equifax<\/span><\/span> and TransUnion<\/span><\/span>. <\/p>\n In many situations, one spouse has not built a sufficient credit history, which can become a major obstacle to qualifying for a mortgage on their own. Regaining control of your credit quickly therefore becomes a strategic step. <\/p>\n [\/et_pb_text][et_pb_heading title=”Separation agreement and mortgage financing: an essential requirement” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Before obtaining mortgage financing, lenders must have a clear view of your situation. This includes the division of assets, debts, and financial obligations such as child or spousal support. <\/p>\n Without a formal separation agreement, generally prepared with a legal professional, no institution will proceed with the final approval of a loan. This step is often a sticking point for many people who want to act quickly. <\/p>\n [\/et_pb_text][et_pb_heading title=”Buying out a home share after a divorce: understanding value and equity” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n When one spouse wishes to keep the property, you must first agree on the home\u2019s market value. This value can be established with the help of a certified appraiser, with the goal of fairness between both parties. <\/p>\n Once the value is determined, you must calculate net equity by taking into account the remaining mortgage as well as the costs associated with a potential sale. This approach makes it possible to establish a realistic amount for the buyout. <\/p>\n In the absence of an agreement on value, the property is often listed for sale on the market, which can further complicate the process.<\/p>\n [\/et_pb_text][et_pb_heading title=”Borrowing capacity after a divorce: qualifying for a mortgage on your own” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Moving from a household income to an individual income is often the main challenge. Financial institutions will assess your ability to carry the mortgage based on your income, debts, and financial obligations. <\/p>\n Support payments you receive may, in some cases, be considered eligible income. Conversely, those you must pay will be included in your financial obligations, which can reduce your borrowing capacity. <\/p>\n There are, however, solutions tailored to certain more complex situations, but they must be properly reviewed and structured to avoid surprises.<\/p>\n [\/et_pb_text][et_pb_heading title=”Removal from the mortgage loan after a divorce: a step often overlooked” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Being removed from the property title does not automatically mean being released from the mortgage. This is an essential distinction. <\/p>\n As long as your name is on the loan, you remain responsible for the debt, even if you no longer own the home. It is therefore crucial to obtain written confirmation from the lender stating that you have been officially removed from the mortgage obligation. <\/p>\n [\/et_pb_text][et_pb_heading title=”Mortgage advice in the event of divorce: why consult quickly” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n In a separation context, many financial decisions are made urgently, often without fully measuring their impacts.<\/p>\n Strategic guidance from the start of the process not only helps avoid costly mistakes, but also optimizes your financial structure for what comes next.<\/p>\n Every situation is different, and the options available can vary considerably depending on your profile. Taking the time to review your file in advance can make all the difference between a difficult transition and a solid new start. <\/p>\n [\/et_pb_text][et_pb_heading title=”Conclusion: divorce, mortgage, and a new financial start” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n Let us be clear: no one gets rich by divorcing, but it is also an opportunity to start again on healthier footing. With the right decisions and appropriate support, it is possible to protect your credit, secure your financing, and plan what comes next with confidence. <\/p>\n __<\/p>\n Important note: This article is for informational purposes only. For any legal decision related to a separation or divorce, it is essential to consult a legal professional. <\/p>\n Note: Article inspired by an article by David Larock. Shout out! <\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ text_font_size=”12px” header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”30px||0px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Note: For a personalized strategy, it\u2019s essential to work with your mortgage broker and financial advisor, as every situation is unique and must be handled on a case-by-case basis. 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structured quickly. In many cases, the main asset to be divided is the family home, and the choices made at that time can affect your financial stability for several years. Whether you are considering selling […]<\/p>\n","protected":false},"author":1,"featured_media":1740,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[32,1],"tags":[],"class_list":["post-1741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","category-non-categorise"],"yoast_head":"\n
Note 2: If you don\u2019t have a financial planner, financial advisor, or insurance advisor, give us a call \u2014 we know the best!
<\/span><\/p>\n
pierre-alain@planipret.com<\/p>\n
pierre-alain@planipret.com<\/p>\n