Episode
Legal | Who Keeps the House After Separation?
- Podcast
- Divorce and Separation
- Published
- Dec 17, 2025
- Duration seconds
- 942
- Processing state
not_requested- Canonical source
- https://divorceandseparationhub.com/podcast/
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Summary
Buying out an ex from the family home after separation can feel overwhelming — financially, legally, and emotionally. In this episode, I'm joined by Christina Salvo, CEO and Founder of Simple Separation , to break down how the process actually works and what needs to happen first. We talk through the real sequence involved in buying out an ex — starting with negotiation and mediation, moving into formal agreements, and then looking at finance and title transfer. Christina explains why affordability and borrowing capacity need to be assessed early, what lenders look at when a joint mortgage becomes a sole loan, and why refinancing after separation is often misunderstood. We also cover what happens when both people want to keep the family home , how mediation helps reality-test options, and when court becomes the only remaining pathway. Christina clarifies common misconceptions around stamp duty and spousal transfers , including when exemptions apply for married and de facto couples. Finally, we talk about why every property settlement should include fallback provisions if finance approval falls through, and how having a safety net in place can protect both parties and reduce unnecessary stress. This episode is for anyone navigating separation, negotiating a property settlement, or trying to work out whether keeping the family home is financially viable. In this episode, we cover: Buying out an ex after separation Property settlements and formal agreements Refinancing vs new loans after separation Borrowing capacity and affordability Mediation and negotiation pathways Stamp duty exemptions and spousal transfers What happens if finance isn't approved Let's Keep the Conversation Going: Visit Divorce and Separation Hub to explore expert resources, courses, and programs tail…