Keep or refinance your BC home after divorce with tailored solutions.
Access spousal buy-out mortgages up to 95% LTV under CMHC or Sagen.
Guided by BC Family Law Act property division rules.
Options for A, B, and private lenders across Vancouver, Surrey, and Kelowna.
Divorce can feel overwhelming — emotionally and financially.
At Citadel Mortgages, we help British Columbia homeowners navigate refinancing, equity division, and new mortgages during or after separation.
Our BC mortgage brokers will work with you and your lawyer to understand how the Family Law Act (BC) defines property division, and we work closely with you and your lawyer to ensure the mortgage aligns with your separation agreement and buy-out terms.
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 (also known as a spousal buy-out mortgage) allows one partner to retain ownership of the home while buying out the other’s share of the property’s equity.
It can also help both parties:
Refinance and remove joint debts.
Rebuild credit after separation.
Qualify for new home purchases independently.
💡 Citadel Mortgages builds personalized solutions to help you move forward financially — whether you’re keeping or leaving the home.
Learn more about today’s best mortgage rates in Canada.
| Program Type | Purpose | Key Features |
|---|---|---|
| Spousal Buy-Out Program (CMHC/Sagen) | Keep your home and buy out your ex | Up to 95% LTV; standard income & credit rules |
| Refinance After Separation | Consolidate joint debts and reset ownership | Flexible lender criteria |
| Private & B-Lender Programs | For lower credit or self-employed borrowers | Equity-based approvals |
| Bridge Loans | Temporary funding between sale and purchase | Short-term, flexible terms |
💡 Citadel Mortgages gives BC clients access to A, B, and private lenders to ensure you qualify even during financial transition.
Under BC’s Family Law Act, all property acquired during the relationship — including the family home — is considered family property and typically divided 50/50, unless otherwise agreed.
Key rules to note:
Both spouses have equal rights to the family home (even if only one is on title).
A separation agreement or court order must confirm who keeps the home.
Spousal support or child support income can be used to qualify for mortgage approval.
A lawyer must register the new title and release the departing spouse.
🏦 Citadel Mortgages works hand-in-hand with your BC legal team to ensure your mortgage fully complies with the Family Law Act.
Home Value Assessment — Determine current market value via appraisal.
Legal Separation or Agreement — Required under the BC Family Law Act confirming ownership and equal division terms.
Mortgage Application — Citadel evaluates your new income, credit, and support payments.
Spousal Buy-Out Refinance — Finance up to 95% LTV through CMHC or Sagen programs.
Finalize Legal Title Transfer — Transfer ownership solely to the retaining spouse.
🏡 Our process ensures both fairness and compliance with BC’s property division rules while protecting your financial stability.
Home Value: $1,000,000
Mortgage Balance: $600,000
Equity: $400,000
Spouse A wishes to keep the home and buy out Spouse B’s $200,000 share.
➡️ Citadel arranges a refinance to $800,000 (80% LTV) through the Spousal Buy-Out Program — releasing funds for the buy-out while maintaining affordable payments.
✅ Result: Spouse A retains the home, Spouse B receives their share, and both achieve fair separation outcomes under BC law.
Yes — BC lenders accept verifiable support payments with documentation.
Yes — but your lawyer will need to ensure legal ownership transfer under BC law.
We work with B and private lenders across BC to help rebuild and refinance.
Yes lenders make this a requirement.
Usually 3–4 weeks, depending on appraisal and legal turnaround.
Simplify your financial planning with our full calculator suite:
🏦 Access to 50+ lenders across British Columbia
⚖️ Expertise in Family Law-compliant refinancing
💡 Specialized in high-value urban markets (Vancouver, Kelowna, Surrey)
🧾 Experience with spousal support and self-employed income files
🤝 Confidential, supportive service from start to finish
Divorce doesn’t have to mean losing your home.
With Citadel Mortgages, you can refinance, buy out your spouse, or secure a new property under BC’s Family Law guidelines.
Citadel Mortgages provides divorce mortgage solutions in Alberta, Ontario, and British Columbia, supporting clients with refinancing, spousal buyouts, and post-separation homeownership.