Loans for Divorcees
Financial Solutions for a Fresh Start
Going through separation or divorce can be emotionally and financially overwhelming. We offer personalised loan solutions designed to help you move forward, with support, understanding, and clarity every step of the way.
Rebuilding After Divorce: How We Can Help
Divorce often means a significant change in your financial circumstances. You may be managing a property settlement, refinancing a joint mortgage, buying out your ex-partner, or simply starting over on your own. We help make that transition smoother with a range of loan solutions tailored to your needs.
We assist divorcees with:
Refinancing joint loans or mortgages into a single name
Accessing equity to pay out a divorce settlement
Getting approved for a new home loan on a single income
Consolidating debt accumulated during the relationship
Starting fresh with a new loan for housing, personal, or business use
Accessing bridging finance if you’re buying before selling
Whether you’re in the early stages of financial recovery, looking to refinance a joint mortgage, re-entering the property market on your own, or managing the complexities of a property settlement, shared debt, or spousal maintenance, we understand how overwhelming it can feel.
Our experienced team offers more than just lending support, we provide a calm, knowledgeable voice during a time of uncertainty. We’ll work closely with you to understand your goals, assess your options, and develop a personalised finance strategy that helps you move forward with clarity, stability, and renewed confidence.
Types of Loans for Divorcees
We tailor solutions based on your financial position, credit history, and post-divorce goals. Our lending options include:
Home loans for new purchases or refinancing
Equity release or cash-out refinance to assist with settlements
Personal loans for legal costs, relocation, or life changes
Debt consolidation loans to simplify repayments
Low doc loans for self-employed divorcees or those without recent financials
Loans with guarantor or parental support if needed
We help navigate complex financial scenarios, even if you’re receiving spousal maintenance, on a single income, or have had limited access to finances in the past.
Why Work With Stellar Finance Group?
We understand that divorce is more than a legal matter, it affects every part of your financial life. That’s why our service is:
Empathetic and non-judgemental
Experienced with complex lending, including settlements, property buyouts, and credit repair
Supportive from start to finish, with clear advice and no jargon
Connected to a wide network of lenders, including non-bank and specialist lenders
Focused on rebuilding your financial future, not just processing a loan
Our goal is to make this next chapter more manageable, with lending solutions that give you breathing room and financial stability.
Common Challenges We Help With
One partner wants to keep the home and refinance it under their name
Credit score has been affected by joint debts or missed payments
Income is uncertain or has recently changed
One party wants to buy a new home while still resolving legal matters
Existing mortgage is unaffordable on a single income
Debt from lawyers’ fees or settlement costs needs to be consolidated
Every situation is unique. We’ll take the time to understand your circumstances and advocate for a lending outcome that supports your recovery and goals.
Who Can We Help?
We work with:
Divorcees needing to refinance or buy out a partner
Individuals exiting long-term de facto relationships
Single parents navigating loan approval on reduced income
Self-employed individuals with limited documentation
Clients with damaged or recovering credit
Anyone needing support to regain financial independence
You don’t have to figure this out alone. We’re here to provide support, options, and financial clarity.
Frequently Asked Questions
Can I refinance the home into my name after a divorce?
Yes. If you wish to keep the property, we can help you refinance into your sole name, provided the loan is affordable based on your income, debts, and financial profile.
I’m receiving a settlement, can I use that as part of my deposit?
Absolutely. Settlement funds can often be used toward a deposit or to help service a loan. We’ll help structure the loan accordingly.
What if my credit score was affected during the separation?
You’re not alone. We work with lenders that consider your overall situation, including past financial hardship. There may still be options available with specialist lenders.
I don’t have a full-time job, can I still get a loan?
Potentially, yes. We consider income from part-time work, Centrelink (in some cases), spousal maintenance, or self-employment. We’ll assess your full financial picture.
Can I get a personal loan to help with legal costs or relocation?
Yes. We offer access to personal loans that can help cover short-term needs such as legal fees, moving expenses, or setting up a new household.
Speak to Us
Ready to Rebuild?
Divorce is never easy, but your next chapter can begin with confidence and the right financial support. At Stellar Finance Group, we provide clear, compassionate guidance and loan solutions tailored to your needs.
Book a confidential consultation today and let’s start building your financial future, one step at a time.