Other useful moves
Remove an Ex from the Loan
A clean financial split.
Ending a relationship rarely happens on the same schedule as ending a home loan — but a joint loan usually needs to end. A refinance can transfer the loan into a single name (or new joint names), release the departing partner, and typically involves a corresponding title transfer.
Things to consider
- The remaining borrower must qualify for the loan on their own income and expenses — serviceability is the bottleneck.
- State-based stamp duty exemptions may apply to a transfer between separating spouses — get conveyancing advice.
- This is emotionally and legally sensitive — consider family-law advice on property settlement before the refinance is finalised.
- Consent orders or a binding financial agreement can be prerequisites for some lenders.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
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