Separation, divorce, or losing a partner changes the money picture fast. I won't add to the noise — just clear, honest answers about the home, the loan and what's possible on one income. For men and women.
Whatever brought you here, the finance questions tend to be the same — and they have clearer answers than you'd think.
Can you take the loan on alone? What does buying out a partner actually look like on your income, and what does the lender need to see?
Renting again after a shared mortgage, and wondering whether one income and what's left of the deposit is enough. Often it is — with the right structure.
A joint loan, one name gone, and a bank asking questions you didn't expect. I'll deal with the lender so you can deal with everything else.
What you own, what you owe and what you earn now — on your own. Nothing lodged, nothing on your credit file. Just a clear picture so decisions stop feeling like guesses.
Keep, refinance, sell and buy, or rent for a while. I'll show you what each one looks like in dollars, so you can weigh them with your solicitor and your family.
Lenders want specific things — consent orders or a financial agreement, evidence of income including child support where it counts, and clean conduct on the joint loan. I'll give you a short list, not a long one.
Finance and settlement have to land together. I work alongside your solicitor so the loan is ready when the agreement is — not weeks after.
Until it's refinanced or the property is sold, both names remain responsible for the full repayment — whoever is living there. Keeping it paid on time protects both credit files.
Child support, family tax benefit and some other regular payments are accepted by a number of lenders when properly documented. Which ones, and how much, is part of what we work out.
The finance groundwork can start while the legal side is still in motion. Starting early is what stops the settlement date becoming a deadline you can't meet.
Plenty of my clients have kept or bought a home on a single income. It comes down to structure, the right lender and honest numbers — not luck.
Book a private 45-minute Solo & Sorted Chat at a time that suits you, or just call — you'll get me or my small team, never a call centre.
Sometimes, yes — it's a refinance into one name, and the lender assesses it on your income and commitments alone. Whether the numbers work is exactly what the first conversation is for.
No. Separation, divorce and loss don't pick a side. Men and women are equally welcome — and increasingly it's dads who are sorting a home for the kids' week.
No. Nothing is lodged and no credit check is run until you decide to apply. We talk first, always.
That's normal, and it's fine. Knowing the numbers behind each option is usually what makes the decision clearer — and you can come back to me when you're ready.
No — I stay in my lane. Your solicitor handles the agreement and your accountant the tax; I make sure the finance is ready when they are and that the three of us are talking to each other.
A private chat with Cass — no paperwork, nothing lodged, nothing on your credit file. You'll leave knowing where you stand and what comes next.
Ask Cass to call me