A divorce is a major life event. Emotions run high and there is a lot to arrange. One of the biggest questions is often: What happens to our mortgage and our home?
You are not alone. With clear explanations and sound advice, you regain clarity and peace of mind. On this page, you can read what usually happens and which choices you have.
If you took out a mortgage together, you are both responsible for the loan. This remains the case even if one of you leaves the home.
The bank does not look at who lives in the property, but at who is named on the mortgage. As long as the mortgage has not been adjusted, you both remain liable.
In most cases, the following applies:
It is therefore important to make clear agreements. Sometimes it helps to use a temporary joint account for the mortgage payments, so that payments continue to be made on time.
In the event of a divorce, there are usually three options.
This often provides clarity and a fresh start. And is often the simplest solution.
If one partner wants to continue living in the house, then the following must apply:
the mortgage must be in one name
the other must be bought out
the bank must agree
This almost always means refinancing or remortgaging.
This is possible, but requires:
clear agreements
good communication
defined responsibilities
This is usually a temporary solution.
Als jij in het huis wilt blijven, moet je de hypotheek alleen kunnen dragen. De bank kijkt dan naar:
jouw inkomen
je vaste lasten
je kredietpositie
Pas na goedkeuring kan de hypotheek op jouw naam worden gezet.
If the house is worth more than the mortgage, then there is equity.
You will often need to buy out your ex-partner. This can be done:
using your own funds
by increasing the mortgage
A valuation determines the current value of the property.
In some situations, other options may also be possible. This depends on your income, the property, and your future plans.
We explain everything calmly and clearly, so you can make a choice you fully stand behind.
Every situation is different. In a personal consultation, we will take a calm look at your situation and explain everything step by step.
