Keep your Alberta home or buy out your ex with a tailored divorce mortgage.
Access spousal buy-out and refinance programs up to 95% LTV.
Fully compliant with Alberta’s Matrimonial Property Act for fair asset division.
Work with A, B, and private lenders across Calgary, Edmonton, and beyond.
Divorce brings emotional and financial challenges — but with the right mortgage strategy, you can secure stability and protect your assets.
At Citadel Mortgages, we specialize in helping Alberta homeowners refinance, buy out a spouse, or start fresh with new financing.
Our mortgage brokers work with you and your lawyer to ensure your mortgage aligns with the Matrimonial Property Act (Alberta), so your home and equity division comply with provincial family law.
Mortgage brokers play a pivotal role in helping Canadians find tailored financing options, providing expert advice, and navigating the often complex mortgage market.
For more detailed information on mortgage types, costs, and rights, consult the Government of Canada – Financial Consumer Agency of Canada (FCAC).
A divorce mortgage (or spousal buy-out mortgage) allows one spouse to refinance the home to:
Buy out the other spouse’s equity share
Remove joint debts and start new mortgage terms
Requalify independently for new housing
These programs make it possible to maintain ownership or start over — without financial strain.
💡 Citadel Mortgages helps Alberta clients build fair, affordable mortgage plans tailored to their new income and family structure.
Learn more about today’s best mortgage rates in Canada.
| Program Type | Purpose | Key Features |
|---|---|---|
| Spousal Buy-Out Mortgage (CMHC/Sagen) | Keep your current home | Up to 95% LTV, standard credit/income rules |
| Refinance After Separation | Rebuild finances independently | Consolidate joint debt, reset ownership |
| Private & B-Lender Mortgages | Flexible approval options | Great for self-employed or lower credit borrowers |
| Bridge or Equity Loans | Short-term financing while transitioning homes | Fast 48-hour approvals |
💡 Citadel Mortgages gives you access to Alberta’s top A, B, and private lenders for flexible, fair refinancing.
Under the Matrimonial Property Act (Alberta):
All property acquired during marriage is presumed to be divided equally upon divorce.
The matrimonial home can be retained by one spouse through a court order or separation agreement.
Spousal or child support payments can be used for mortgage qualification with proof of consistency.
Title must be legally transferred once the buy-out or refinance is complete.
🏦 Citadel Mortgages ensures every refinance complies with Alberta’s property laws — protecting both parties and ensuring fair division.
Home Value Appraisal — Establish market value of the property.
Legal Separation Agreement — Required under the Matrimonial Property Act to confirm division of assets.
Mortgage Pre-Approval — Assess income (including support payments) and credit under new financial circumstances.
Spousal Buy-Out or Refinance — Borrow up to 95% LTV to pay out your ex’s share.
Finalize Title Transfer — Legal title updates to reflect new ownership.
🏡 Citadel Mortgages coordinates with your lawyer and appraiser to streamline this process from start to finish.
Home Value: $650,000
Mortgage Balance: $350,000
Equity: $300,000
Spouse A wants to keep the home and pay Spouse B their $150,000 equity share.
➡️ Citadel arranges a refinance to $500,000 (77% LTV) under the CMHC Spousal Buy-Out Program.
This releases funds for the buy-out while maintaining affordable monthly payments.
✅ Result: Spouse A keeps the family home, Spouse B receives their share, and both move forward under Alberta’s legal framework.
Yes — Alberta lenders accept verifiable support payments with documentation.
Yes — but your lawyer will need to ensure legal ownership transfer under Alberta law.
We work with B and private lenders across Alberta to help rebuild and refinance.
Yes lenders make this a requirement.
Usually 2–4 weeks, depending on appraisal and legal turnaround.
Simplify your financial planning with our full calculator suite:
🏦 Access to 50+ Alberta lenders (A, B & Private)
💡 Experts in post-divorce refinancing & buy-outs
⚖️ Compliant with Alberta’s Matrimonial Property Act
🧾 Flexible approvals for self-employed or variable income
🤝 Confidential, supportive service during your transition
Divorce is challenging — your mortgage doesn’t have to be.
Let Citadel Mortgages help you refinance, buy out your spouse, or start fresh under Alberta’s family property rules.
Citadel Mortgages provides divorce mortgage solutions in Alberta, Ontario, and British Columbia, supporting clients with refinancing, spousal buyouts, and post-separation homeownership.