When a relationship ends, the home is often the hardest question. This is a private, judgment-free way to see your options — whether you'd keep it, or start fresh somewhere new. No email needed to see your numbers, and nothing here is shared with anyone.
Which are you exploring?
There's no wrong answer here — and if you're not sure, we'll show you both.
What's the home worth today?
Your best estimate of current market value is fine.
$600,000
What's left on the mortgage?
The current balance on your shared mortgage.
$300,000
How will the equity be split?
Slide to your share. Often it's half, but your separation agreement decides. This sets both what you'd pay to keep the home and what you'd walk away with.
Your share: 50% · ~$150,000
Now, just about you.
After separating, you'll qualify on your own — so we look at your income and debts alone.
$95,000
Car, credit cards, loans. Leave support out of this one — it has its own slider below.
$500/mo
This is central to what you'll qualify for, so it's kept separate. Slide left if you pay support, right if you receive it — centre is none.
None
A couple of details.
We'll use today's ballpark rate — your real rate depends on your full picture.
Your estimate
If you keep the home
The home's value$0
Estimated equity$0
Buyout to your partner$0
New mortgage you'd need$0
That's a loan-to-value of0%
What you'd likely qualify for alone$0
Estimated new monthly payment$0
If you start fresh
Your share of the equity (your down payment)$0
A home you could afford around$0
Mortgage on that home$0
Estimated monthly payment$0
Let's talk it through — gently.
This is an estimate, and every separation is different. A free, private 15-minute call will tell you what's actually possible for you. No pressure, no judgment.
Your details stay private — I'll never sell your info or spam you.
All figures are estimates for illustration only, based on standard Canadian lending guidelines (GDS/TDS limits, semi-annual compounding, the mortgage stress test). The CMHC Spousal Buyout Program allows financing up to 95% of the home's value to buy out a separating partner, with a signed separation agreement and qualification on your own income; a standard refinance or purchase is otherwise limited differently. The "start fresh" estimate treats your equity share as your down payment. Actual approval, rate, and amounts depend on your full application and lender. This is not legal or financial advice.