Why This Matters Now
In 2026, brokers are the "first responders" for separating households. The biggest hurdle isn't just the emotional fallout—it's the Serviceability Trap.
Major banks often sensitize joint debt at a 3% buffer against a single applicant. This creates "Mortgage Prisoners." Specialist policies like Common Debt Reducer (CDR) are the only way to facilitate many property buyouts.
The Critical Pivot
"If you aren't looking at non-bank CDR policies for your separating clients, you're potentially leaving them stranded in a home they can no longer afford to hold jointly, yet can't afford to buy out individually."
Serviceability Impact Simulator
Compare Major Bank vs. Specialist policy outcomes in real-time.
The Logic
Bank: Counts 100% of the $700k debt + 3% buffer.
Specialist (CDR): Counts only 50% ($350k) if the other party is self-sufficient.
Policy Levers: Major vs. Specialist
Serviceability Buffer
The Difference
Child Support
The Difference
Joint Debt (CDR)
The Difference
Credit History
The Difference
The Broker Protocol
Privacy First
Ensure credit inquiries don't trigger alerts to the other spouse during the sensitive pre-separation phase.
Upfront Valuations
Order vals before legal orders are finalized. This is the "fulcrum" of the entire settlement.
Self-Sufficiency Audit
Gather proof (payslips, lease) that the departing party can service their share elsewhere to trigger CDR policy.
Ready to Specialized?
Join our next webinar on Family Law Finance & Non-Bank Credit.