Separation & Divorce Mortgages · Vancouver Island & BC
A difficult time deserves clear, caring guidance. Let's talk it through.
When a relationship ends, the family home is often the biggest question. Can you keep it? Can you afford it on your own? How do you buy out your former partner, or move on and start fresh? These are hard questions at an already hard time, and you deserve patient guidance rather than pressure.
Since 2009, I have helped clients across Vancouver Island and all of BC understand their options with care and discretion, whether they are still deciding what to do or already moving through the process.
What we cover together
Clear options, explained with care.
Why work with me
Discretion, patience, and honest answers, at your pace.
I handle these files with genuine care. One of the most valuable things I can do is help you understand what is financially possible before your separation agreement is finalized, because the way it is written affects what you can qualify for afterward. Getting this right early protects you from agreeing to terms you cannot actually carry.
You work directly with me, and because my process is fully virtual, I support clients across the Island and all of BC.
Since 2009
Helping BC families
15+ years
Experience
119
Five-star reviews (4.8)
How it works
Getting started is simpler than you think
01 Let's talk
We start with a private, no-pressure conversation about your situation and what you are hoping to do. Book a call and let's start there.
02 I build your plan
I review your numbers and your options, whether that is a buyout, a refinance, or a fresh start, and explain each one clearly.
03 I stay with you
I remain your resource through the transition and beyond, as you settle into your next chapter.
Common questions
Separation and divorce questions I am asked all the time
Do not see your question here? Book a free consultation and I will answer it directly.
Can I keep my home after a separation?
In many cases, yes. A spousal buyout lets you refinance to buy out your former partner's share, and support payments can sometimes be counted as income to help you qualify. The right answer depends on your specific numbers, which I will review with you privately.
How does a spousal buyout work?
One partner refinances the home to buy out the other's share. Under a special program, this can be treated like a purchase rather than a standard refinance, which may let you access more of the home's value. It generally requires a signed separation agreement, and I will guide you through it.
Can I qualify for the mortgage on my own income?
Often, yes, and support payments can sometimes be included. How your debts are divided in your agreement also affects your ratios. Because every situation is different, the most useful first step is a private review of your numbers.
Should I get mortgage advice before signing my separation agreement?
Yes, and this is important. The way your agreement is written can affect what you qualify for afterward. Talking to me before it is finalized helps ensure you are not agreeing to something you cannot actually carry.
Do I have to live near Port Alberni to work with you?
Not at all. My process is fully virtual, so I help self-employed clients across Vancouver Island and all of British Columbia through phone, video, secure document uploads and electronic signatures.
Going through a separation and unsure about the home?
Let's have a private, no-pressure conversation about your options.
You will get honest answers and a clear picture of where you stand. If you would like to speak sooner, reach me directly at 250-731-9194.
