Arranging the mortgage during a divorce, with calm and clarity
A divorce is emotionally difficult. We take complete care of the financial part — discreetly, correctly and at your own pace — so you can focus on what really matters.
Why Vynanzie
Our advantages during a separation
Discreet and personal
We understand that divorce is emotionally difficult. Your situation is treated confidentially, entirely at your own pace, without unnecessary barriers or administrative hassle.
Legally correct handling
We work together with divorce notaries and mediators to arrange the transfer of ownership and the mortgage transfer in a legally watertight and tax-correct manner.
Quick clarity
We check with multiple lenders whether the remaining partner can carry the mortgage alone. You typically have clarity about feasibility within 24 hours.
We compare more than 20 lenders to find the lowest rate and best terms for your situation.
Free introductory meeting
No obligations. We listen to your situation and immediately give you insight into your options.
Your advantages
A new financial start
Financial independence
A mortgage in your own name gives you complete independence and clarity about your monthly costs — a solid financial foundation for your new situation.
Fair distribution of equity
If equity has been built up, a correct settlement ensures that both parties receive their rightful share. We calculate this transparently and impartially.
A new beginning on a solid foundation
With the right financing you can start a new chapter — whether you stay in the home and buy out the other, or you leave and want to buy again.
Vynanzie is completely independent from lenders and banks. Our advice is always exclusively in your interest.
Calculate your mortgage
Use our free calculator for an initial estimate of your maximum mortgage.
Schedule a meeting
Book a no-obligation appointment
In 45 minutes we will identify which mortgage suits your situation, free and without obligations.
- Free and no-obligation
- Online or at your home
- Instant confirmation email
- AFM certified advice
How would you like to meet?
Choose the option that suits you best.
Frequently asked questions
Everything about the mortgage during a divorce
Can I put the mortgage in one name?
Yes, this is possible if your income is sufficient to carry the mortgage alone. We check this with multiple lenders and look for the party with the most flexible acceptance criteria for your situation. Sometimes a co-debtor is temporarily an option if the income test is tight.
What happens to the mortgage when we divorce?
You are both jointly and severally liable for the mortgage as long as it has not officially been transferred to one name. It is therefore important to arrange this as quickly as possible. Until an agreement is reached, you are both responsible for the monthly costs — even if you no longer live in the home.
Does divorce affect the mortgage interest rate?
Not necessarily. When taking over the mortgage, some lenders retain the existing interest rate and terms. Others treat it as a new application. We negotiate on your behalf and look for the most advantageous structure.
What if the home is in negative equity?
If the mortgage debt is higher than the property value, arrangements may be possible through NHG or through customised agreements with the lender. We know the options and guide you through this process, so you do not unnecessarily continue to carry a residual debt.
Do I need a divorce settlement for the mortgage transfer?
For most lenders, a (draft) divorce settlement is required before they will transfer the mortgage to one name. We work together with mediators and divorce notaries who can help you with this, so everything proceeds simultaneously and smoothly.
How quickly can the mortgage be arranged after a divorce?
With a complete file — settlement, income details and valuation report — a mortgage transfer typically takes 4 to 8 weeks. We actively monitor progress and ensure no unnecessary delays occur at the lender or notary.
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