Can I buy out my ex?

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This is an estimate, not credit advice. Lenders use their own, stricter tests. Talk to a licensed mortgage broker or lender.

Equity in the home
Buy-out payment to your ex
New loan size (mortgage + buy-out)
Repayment on new loan at your rate

Indicative borrowing capacity

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How it works (simple method, labelled assumptions): Surplus = income − expenses. Capacity is the loan whose principal-and-interest repayment equals 70% to 100% of that surplus (lower and upper ends of the range), worked out at your rate + 3% a year. The 3% figure is APRA's minimum serviceability buffer (APRA, confirmed 28 May 2026; checked 1 Nov 2026). The 70% to 100% band is our assumption and isn't from any lender. Not included: stamp duty (often $0 under s68, see our duty tool), legal and discharge fees, LMI, tax, child support or Centrelink income, or lender expense benchmarks (HEM).

General information, not legal or financial advice. This tool gives an estimate from published figures. Nothing you type is stored or sent anywhere; it runs only in your browser. Get advice from a lawyer, Legal Aid NSW or a licensed adviser about your situation. Published by Compass Point Digital.