If you’re divorcing and want to keep the house, the biggest hurdle is usually the spousal buyout refinance—and for many Ontario homeowners in 2026, banks are simply too slow, too strict, or outright declining files.
That’s why more separating couples are turning to Lendworth for fast, equity-based refinancing.
How a Divorce Buyout Works in Ontario
When one spouse wants to keep the matrimonial home, they must usually:
Buy out the other spouse’s share of equity
Refinance the existing mortgage
Remove the departing spouse from title and liability
Sounds simple—but in reality, traditional lenders make this process painfully slow.
Why Banks Delay or Decline Divorce Refinancing
If you’re recently separated, banks often flag your file because of:
Reduced household income
Support payments not finalized
Self-employment or variable income
Missed payments during separation
Tight stress test rules in 2026
Even approved files can take weeks or months, putting legal deadlines—and your home—at risk.
The Fastest Way to Refinance a Spousal Buyout: Equity-Based Lending
Private mortgage refinancing focuses on home equity, not personal upheaval.
With Lendworth, you can:
Refinance quickly to complete a divorce buyout
Pay out your ex-spouse on time
Keep the family home
Avoid forced sale or power of sale
Create breathing room to stabilize post-divorce
Many files fund in as little as 24–72 hours once documents are in place.
Divorce Refinance Options We Handle Every Week
Lendworth specializes in:
Divorce refinance Ontario
Spousal buyout mortgages
Home equity loans during separation
Second mortgages for buyouts
Bridge financing while settlements finalize
Bad credit, missed payments, or temporary income gaps do not automatically disqualify you.
Keep the House Now. Refinance with a Bank Later.
Most divorce buyouts don’t need to be permanent.
Our strategy is simple:
Solve the divorce buyout immediately
Lock in a short-term private mortgage
Refinance with a traditional lender later when life stabilizes
This approach protects your home and your future.
Don’t Let Divorce Force a Sale You Don’t Want
If you’re asking:
“How do I keep the house after divorce?”
“What’s the fastest way to refinance a spousal buyout?”
“The bank declined my divorce refinance—now what?”
You’re not alone—and you do have options.
📞 Call Lendworth today: 905-597-1225
🌐 Apply online: Divorce Loans
Your equity deserves more™