Keep your home or start fresh after separation with a tailored divorce mortgage.
Access buy-out refinancing, spousal transfer, and equity division solutions.
We work with A, B, and private lenders to fit every financial situation.
Designed for Canadian homeowners and first-time post-divorce buyers.
A divorce or separation can be emotionally and financially overwhelming — especially when a home and mortgage are involved.
At Citadel Mortgages, we help Canadians navigate mortgage refinancing, equity buy-outs, and new home financing after divorce. Our goal is simple: protect your credit, preserve your equity, and secure your financial independence.
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 called a spousal buy-out mortgage) is a mortgage solution designed to:
Allow one spouse to buy out the other’s share of the home’s equity.
Enable both parties to refinance debts and start new mortgages separately.
Maintain ownership stability while ensuring fair asset division.
It can be structured as a:
Spousal Buy-Out Refinance (keeping the home)
New Purchase Mortgage (starting over elsewhere)
Bridge or Equity-Release Loan (while assets are finalized)
💡 Citadel Mortgages structures every file around your court settlement, support payments, and income reality — not a one-size-fits-all approach.
Learn more about today’s best mortgage rates in Canada.
| Program Type | Purpose | Ideal For |
|---|---|---|
| Spousal Buy-Out Program (CMHC / Sagen) | Finance up to 95% LTV to buy out your ex | One spouse keeping the home |
| Refinance & Debt Consolidation | Re-establish credit post-divorce | Individuals rebuilding finances |
| Private or B-Lender Mortgage | Flexible income/credit requirements | Self-employed or support-income clients |
| Bridge Financing | Temporary solution between property sales | Couples transitioning homes |
💡 Citadel Mortgages accesses all major insurer and private programs to fit your new financial profile.
| Benefit | Description |
|---|---|
| 💰 Access Your Equity | Use home value to settle buy-outs or debts. |
| 🏡 Stay in Your Home | Keep stability for yourself and your children. |
| 📈 Rebuild Credit | Structure new payments that fit your budget. |
| 💼 Flexible Qualification | We use support income and new employment to qualify. |
| 🤝 Reduce Stress | One point of contact coordinating lender, lawyer, and appraiser. |
Property Evaluation — Determine current market value and equity.
Legal Separation Agreement — Confirms division of property and liabilities.
Mortgage Application — Citadel Mortgages submits your file to lenders matching your income and credit profile.
Buy-Out or Refinance — Funds pay the departing spouse’s share and discharge joint debts.
New Title Registration — Home ownership transfers solely to one party.
🏡 Our mortgage agents coordinate directly with your lawyer to ensure smooth legal and financial alignment.
Home Value: $700,000
Mortgage Balance: $400,000
Equity: $300,000
➡️ Spouse A wants to keep the home and buy out Spouse B’s $150,000 share.
Citadel arranges a refinance to $550,000 — releasing funds for the buy-out while keeping payments affordable.
✅ Result: Spouse A retains the home, Spouse B receives equity, and both move forward financially stable.
Yes — most lenders allow support payments with proper documentation.
Yes — CMHC and Sagen’s Spousal Buy-Out Program allows up to 95% LTV.
We work with B and private lenders to help rebuild and refinance responsibly.
Yes lenders make this a requirement.
Can both spouses refinance separately at once?
Simplify your financial planning with our full calculator suite:
🏦 Access to 50+ lenders across A, B, and private channels.
💡 Specialized divorce & separation underwriting experience.
⚖️ Experience with CMHC, Sagen, and private buy-out programs.
🤝 Compassionate, confidential service focused on long-term success.
📈 Customized refinancing strategies to protect assets and rebuild credit.
Whether you’re buying out your spouse or starting fresh, Citadel Mortgages helps you find the best mortgage for your situation — discreetly and efficiently.
Citadel Mortgages provides divorce mortgage solutions in Alberta, Ontario, and British Columbia, supporting clients with refinancing, spousal buyouts, and post-separation homeownership.