Buying guide
Refinancing your mortgage after a breakup or divorce
What happens to the mortgage when you separate?
AI summary
Separating when you have a joint mortgage means both partners remain legally responsible for payments until the property is sold or refinanced. The house can be sold, or one partner can buy the other out, with proceeds first repaying the mortgage.
Under the Property (Relationships) Act, remaining equity is typically split equally for relationships over three years. Alternatively, a 'contracting-out' agreement allows couples to decide on a different split, which can help ensure a fair outcome for both parties.
What happens to the mortgage when you separate?
What is the law around dividing up relationship property?
Does shared property have to be split equally when you break up?
Why would someone agree to less than half the house in a break up?
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