{"id":1245,"date":"2021-07-20T18:47:33","date_gmt":"2021-07-20T18:47:33","guid":{"rendered":"http:\/\/planulife.com\/?post_type=articles&p=1245"},"modified":"2021-12-03T20:00:10","modified_gmt":"2021-12-03T20:00:10","slug":"housing-after-you-separate-or-divorce","status":"publish","type":"articles","link":"https:\/\/lifelonginvestments.ca\/fr\/articles\/housing-after-you-separate-or-divorce\/","title":{"rendered":"Housing after you separate or divorce"},"content":{"rendered":"

We never really plan for this to happen, but when it does it can feel like there\u2019s so much to look after – including your mortgage. We can help with this, and take a load off your mind. \u2800<\/span><\/h4>\n

Often when couples purchase a home together, they qualify based on dual income. When separating, they are usually faced with having to buy the other partner out, or selling and downsizing.\u00a0<\/span><\/h4>\n

When qualifying for a mortgage after you\u2019ve gone through a separation, <\/span>Your lender will require that you requalify for the mortgage on your own. You\u2019ll have to prove to your lender that you can afford to make the mortgage payments. Your lender may ask for certain information including:<\/span><\/h4>\n
    \n
  • \n

    a separation agreement (if you have one)<\/span><\/h4>\n<\/li>\n
  • \n

    the amount of any child support payments<\/span><\/h4>\n<\/li>\n
  • \n

    the amount of any spousal support payments<\/span><\/h4>\n<\/li>\n<\/ul>\n

    If you don\u2019t qualify for the mortgage on your own, an option is to ask another person to act as a joint borrower or guarantor. This person should have a good credit history and income. Before co-signing, make sure you both fully understand the responsibilities involved.<\/span><\/h4>\n

    If you\u2019re ?????? ???????\/????? ???????, this counts as a liability we have to factor in. If you\u2019re ????????? ???????\/????? ???????, this can count as income, and help increase the amount you qualify for.<\/span><\/h4>\n

    We have a strong network of professionals that we work with that can further assist with various areas of the process. Don\u2019t suffer in silence. \u2800<\/span><\/h4>\n

    <\/h4>","protected":false},"excerpt":{"rendered":"

    We never really plan for this to happen, but when it does it can feel like there\u2019s so much to look after – including your mortgage. We can help with this, and take a load off your mind. \u2800 Often when couples purchase a home together, they qualify based on dual income. When separating, they […]<\/p>\n","protected":false},"author":2,"featured_media":1250,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1245","articles","type-articles","status-publish","has-post-thumbnail","hentry","article_categories-real-estate"],"yoast_head":"\nHousing after you separate or divorce - Lifelong Investments<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifelonginvestments.ca\/fr\/articles\/housing-after-you-separate-or-divorce\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Housing after you separate or divorce - Lifelong Investments\" \/>\n<meta property=\"og:description\" content=\"We never really plan for this to happen, but when it does it can feel like there\u2019s so much to look after – including your mortgage. We can help with this, and take a load off your mind. \u2800 Often when couples purchase a home together, they qualify based on dual income. 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We can help with this, and take a load off your mind. \u2800<\/span><\/h4>\r\n<h4><span style=\"font-weight: 400;\">Often when couples purchase a home together, they qualify based on dual income. When separating, they are usually faced with having to buy the other partner out, or selling and downsizing.\u00a0<\/span><\/h4>\r\n<h4><span style=\"font-weight: 400;\">When qualifying for a mortgage after you\u2019ve gone through a separation, <\/span><span style=\"font-weight: 400;\">Your lender will require that you requalify for the mortgage on your own. You\u2019ll have to prove to your lender that you can afford to make the mortgage payments. Your lender may ask for certain information including:<\/span><\/h4>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\">\r\n<h4><span style=\"font-weight: 400;\">a separation agreement (if you have one)<\/span><\/h4>\r\n<\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\">\r\n<h4><span style=\"font-weight: 400;\">the amount of any child support payments<\/span><\/h4>\r\n<\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\">\r\n<h4><span style=\"font-weight: 400;\">the amount of any spousal support payments<\/span><\/h4>\r\n<\/li>\r\n<\/ul>\r\n<h4><span style=\"font-weight: 400;\">If you don\u2019t qualify for the mortgage on your own, an option is to ask another person to act as a joint borrower or guarantor. This person should have a good credit history and income. Before co-signing, make sure you both fully understand the responsibilities involved.<\/span><\/h4>\r\n<h4><span style=\"font-weight: 400;\">If you\u2019re ?????? ???????\/????? ???????, this counts as a liability we have to factor in. If you\u2019re ????????? ???????\/????? ???????, this can count as income, and help increase the amount you qualify for.<\/span><\/h4>\r\n<h4><span style=\"font-weight: 400;\">We have a strong network of professionals that we work with that can further assist with various areas of the process. Don\u2019t suffer in silence. \u2800<\/span><\/h4>\r\n<h4><\/h4>","rendered":"<h4><span style=\"font-weight: 400;\">We never really plan for this to happen, but when it does it can feel like there\u2019s so much to look after – including your mortgage. We can help with this, and take a load off your mind. \u2800<\/span><\/h4>\n<h4><span style=\"font-weight: 400;\">Often when couples purchase a home together, they qualify based on dual income. When separating, they are usually faced with having to buy the other partner out, or selling and downsizing.\u00a0<\/span><\/h4>\n<h4><span style=\"font-weight: 400;\">When qualifying for a mortgage after you\u2019ve gone through a separation, <\/span><span style=\"font-weight: 400;\">Your lender will require that you requalify for the mortgage on your own. You\u2019ll have to prove to your lender that you can afford to make the mortgage payments. Your lender may ask for certain information including:<\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">a separation agreement (if you have one)<\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">the amount of any child support payments<\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">the amount of any spousal support payments<\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">If you don\u2019t qualify for the mortgage on your own, an option is to ask another person to act as a joint borrower or guarantor. This person should have a good credit history and income. Before co-signing, make sure you both fully understand the responsibilities involved.<\/span><\/h4>\n<h4><span style=\"font-weight: 400;\">If you\u2019re ?????? ???????\/????? ???????, this counts as a liability we have to factor in. If you\u2019re ????????? ???????\/????? ???????, this can count as income, and help increase the amount you qualify for.<\/span><\/h4>\n<h4><span style=\"font-weight: 400;\">We have a strong network of professionals that we work with that can further assist with various areas of the process. Don\u2019t suffer in silence. \u2800<\/span><\/h4>\n<h4><\/h4>\n","protected":false,"block_version":0},"categories":[{"term_id":10,"name":"Real Estate","slug":"real-estate","term_group":0,"term_taxonomy_id":10,"taxonomy":"article_categories","description":"","parent":0,"count":7,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/articles\/1245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/articles"}],"about":[{"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/types\/articles"}],"author":[{"embeddable":true,"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/comments?post=1245"}],"version-history":[{"count":6,"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/articles\/1245\/revisions"}],"predecessor-version":[{"id":1252,"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/articles\/1245\/revisions\/1252"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/media\/1250"}],"wp:attachment":[{"href":"https:\/\/lifelonginvestments.ca\/fr\/wp-json\/wp\/v2\/media?parent=1245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}