Separating with an owned home: frequently asked questions

A residual debt must be repaid to the bank. Our Mortgage Advisor will help you arrange this if applicable.

In the event of a divorce (if you are married or in a registered partnership), you are entitled to a share of each other's pension, in accordance with the Pension Equalization Act. This does not apply to cohabiting partners who are not married or in a registered partnership. Crefin & Partners would be happy to explain this to you in a personal consultation.

With us, the first consultation is always free and without obligation. For our complete advice and mediation, you pay a fixed price, which you can find on our rates page. Transparent and without surprises!

Yes, the costs for our mortgage advice are tax-deductible via income tax. That saves you money!

This depends on your form of cohabitation. A mediator usually helps you make good agreements, and our Mortgage Advisor ensures financial clarity regarding the joint mortgage and home.

Unfortunately, that is not possible. You have 3 options:

One ​​partner stays in the house and takes over the mortgage. The other is bought out if there is equity. Can't you agree on who takes over the house and the mortgage? Then engage a mediator. They can help you make a decision.

Can't you reach an agreement even with a mediator? Then you sell the house, pay off the mortgage with the proceeds, and divide the equity (or remaining debt).

Some ex-partners choose to remain joint owners of the house. However, a good relationship and clear agreements are crucial to prevent trouble between you in the future.