Loans After Financial Separation
Finance Solutions That Support Your Next Chapter
Separation or divorce can greatly impact your finances. Whether refinancing, buying out your partner, or starting anew on a single income, we provide tailored loan solutions to help you regain control and move forward confidently.
Rebuilding After Separation
Financial separation is rarely straightforward. It can involve shared debts, property settlements, changes in income, or credit concerns. At Stellar Finance Group, we provide practical lending support for individuals going through separation or divorce, helping you navigate this transition with a clear plan and expert advice.
Whether you are refinancing an existing loan into your name, applying for a new home loan, or consolidating joint liabilities, we take the time to understand your situation and match you with loan options that align with your current financial position and future goals.
How We Can Help
We specialise in a wide range of loan solutions for clients adjusting to life after a relationship breakdown, including:
Refinancing a joint home loan into a single name
Accessing equity to settle a property division
Purchasing a new home as a single applicant
Consolidating debts from a shared financial past
Providing personal loans for relocation or legal expenses
Assisting self-employed individuals or those with irregular income
Arranging bridging finance for purchasing before a settlement finalises
We understand that every situation is different. Whether your financial settlement is still in progress or finalised, we will help you take the right steps at the right time.
Why Work With Stellar Finance Group?
You deserve more than just a loan. You deserve support from a team that understands the challenges of financial separation and is committed to helping you rebuild with confidence.
Personalised loan strategies based on your financial situation
Access to a wide network of mainstream and specialist lenders
Solutions for complex scenarios, including reduced income or credit issues
Clear, honest advice with no pressure or confusing jargon
Support for applications involving maintenance income or shared debts
Discreet and confidential service with respect for your circumstances
We will guide you from the initial assessment through to settlement, making the process as smooth and stress-free as possible.
Common Challenges We Assist With
We regularly support clients who are facing:
The need to buy out a former partner’s share of a property
Inability to service a joint mortgage alone
Declined applications due to joint credit issues or missed payments
Uncertainty around loan eligibility due to changes in income
Ongoing financial responsibilities such as child support or legal costs
The desire to purchase a new home while still finalising the previous one
You are not alone. We have helped many clients overcome similar challenges and secure the finance they need to move forward.
Who We Support
Our lending solutions are designed to help a wide range of individuals post-separation, including:
Divorced or separated individuals managing property and financial settlements
Single parents needing finance stability and security
Self-employed professionals with variable income
Clients with limited or damaged credit histories
Borrowers relying on maintenance payments as part of their income
Anyone seeking to refinance, consolidate, or purchase again after separation
Whatever your goals, we are here to provide expert guidance and tailored loan solutions that suit your circumstances.
Frequently Asked Questions
Can I refinance the mortgage into my name after a separation?
Yes, you can refinance the home loan into your name if you meet the lender’s criteria. We will assess your borrowing capacity, review your financial documents, and help manage the transition from joint ownership to sole ownership.
What if my financial settlement is not yet finalised?
Some lenders may accept draft agreements or interim financial arrangements, while others require a formal settlement. We will help you understand what is needed and when to apply.
My credit score has dropped due to joint debts. Can I still get a loan?
Yes, there are lenders that specialise in helping clients with impaired credit. We will review your credit file, identify suitable options, and help strengthen your application.
I am on a single income. Can I afford a home loan?
Many lenders offer loans for single applicants. We consider your full income, including wages, Centrelink (where applicable), and maintenance payments, to find an option that suits your budget.
Can I get a personal loan to help with moving or legal costs?
Yes. We can help you access a personal loan to manage expenses related to relocation, legal representation, or starting over. These loans can often be approved quickly.
Speak to Us
Take the Next Step With Confidence
At Stellar Finance Group, we understand that financial separation is not just about numbers. It is about finding stability, protecting your future, and starting fresh with the right support. We are here to guide you through every step, with experience, care, and personalised lending solutions that truly fit your life.
Book a confidential consultation today and let us help you move forward with clarity and confidence.