Mortgages After Divorce: Can You Qualify on Your Own? | The Divorce Circle Podcast скачать в хорошем качестве

Mortgages After Divorce: Can You Qualify on Your Own? | The Divorce Circle Podcast

Supporting women and men divorcing in British Columbia and across Canada with trusted legal and financial guidance, child custody and parenting insights, and support for navigating life after divorce. In this episode of The Divorce Circle Podcast, Sabeena is joined by longtime friend and mortgage professional Luisa Hough, Accredited Mortgage Professional and VP of Underwriting at Xeva Mortgage, to answer some of the most common — and stressful — mortgage questions people face after separation or divorce. Together, Sabeena and Luisa discuss whether you can qualify for a mortgage on your own after divorce, why having individual credit matters more than many people realize, and how divorce can impact mortgage approval, borrowing power, and long-term financial options. This conversation also explores key considerations for first-time home buyers, including rules, regulations, and practical strategies — particularly relevant for those starting over financially after a relationship ends. If you’re navigating divorce and wondering what’s realistically possible when it comes to home ownership, this episode offers clarity, reassurance, and expert insight grounded in the Canadian mortgage landscape. BE SURE TO SUBSCRIBE so you never miss an episode — and please like, share, and comment to support the channel. 🎧 On the go? You can listen to this full conversation on Spotify, Apple Podcasts, or your favourite podcast app by searching The Divorce Circle Podcast. ⏱️ CHAPTERS 0:00 - Best Divorce Advice You Received 2:21 - Will Divorce Impact My Ability to Qualify For a Mortgage? 6:10 - Financial Stress During Divorce 8:59 - Qualifying Using Just Your Income Alone 11:30 - Spousal Support as Income & Separation Agreements 21:19 - Mortgage Pre-Approvals 25:15 - Mortgage Documents 27:00 - Joint Bank Accounts 36:57 - Tips for Pre-Approvals 38:06 - Can a Mortgage Broker Work For Both Parties? 🔗 RELATED EPISODES Rebuilding Your Life After Divorce:    • Rebuilding Your Life After Divorce While B...   Divorce & Family Dynamics:    • Divorce & Family Dynamics: Revisiting Our ...   If you’re watching this because you’re navigating separation or divorce, you don’t have to do it alone. The Divorce Circle offers trusted resources, expert guidance, and support for women and men across British Columbia and Canada — covering the legal, financial, parenting, and emotional aspects of divorce. 👉 Explore available resources here: https://www.divorcecircle.ca/ Feel free to share your thoughts or questions in the comments — your experience may help someone else too. 👩‍💼 About Luisa Hough Luisa Hough is an Accredited Mortgage Professional with more than three decades of experience in real estate law and mortgage financing. Her career began in 1989 at a real estate law firm, where she spent over 10 years gaining invaluable insight into real estate transactions — experience that continues to benefit her clients today. In 2005, Luisa co-founded Exclusive Mortgage Professionals, and in 2013 became a founding partner of Xeva Mortgage, alongside seven prominent Canadian mortgage brokers. Luisa currently serves as Partner, VP of Underwriting, and Board Member at Xeva Mortgage, where the management team brings over 175 years of combined mortgage experience. This depth of experience allows Luisa to access mortgage products from lenders across Canada and secure the most favourable terms tailored to her clients’ needs — whether they are first-time buyers, refinancing, renovating, or investing. Learn more about Luisa Hough here: 👉 https://www.lifestylebyluisa.ca/ #DivorceCircle #DivorceCanada #DivorceAndMoney #MortgageAfterDivorce #canadianmortgages #financialrecovery #divorcesupport #womenandmoney #lifeafterdivorce