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Selling the family home is often seen as the easiest option if you’re splitting up.

But there can be problems: for example, you might have trouble finding a buyer, or be caught in negative equity (when the value of your home is less than the amount you owe on the mortgage). This could make it impossible to sell and split the proceeds.

You might also struggle to get a mortgage on a new property, especially if you have only a small deposit or if your income is low.

You may need to consider other options, such as one of you staying in the property while the other rents, or living together in the family home in the short-term.

Before you make a decision:

  • Budget carefully before committing to a housing arrangement. No matter how tempting it may be to stay in your family home, make sure you can afford to continue living there
  • Check out mortgage options, what’s available and what you can afford. Some building society and banks offer Fresh Start mortgages for people starting anew
  • Find out if you’re eligible for state benefits to help with your housing costs
  • Accept that your lifestyle will change, at least for now, and be prepared to compromise.
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