Is the calculator really free? What do I get?

Yes. You can view your results directly, and optionally request the full written analysis by email — every figure, plus what your lender ratios mean — along with my 21 Matrimonial Home Strategies.

Is the calculator really free? What do I get?2026-08-19T13:04:07-04:00

What does this calculator actually check?

Six steps: home equity, notional selling costs, your spouse's share (the buyout amount), the new mortgage and monthly payment needed to fund it, your monthly income-and-cost picture, and the lender ratios (GDS and LTV) that [...]

What does this calculator actually check?2026-08-19T13:03:09-04:00

Should I keep the house for the kids?

Only if the finances genuinely support it. Stability for children is a real benefit, but a parent stretched past their means isn't stable — and alternatives like a deferred sale can deliver continuity without the [...]

Should I keep the house for the kids?2026-08-19T12:57:58-04:00

Can I keep the house if I can’t qualify for the mortgage alone?

Sometimes, yes. Settlement structures can substantially reduce the mortgage you need, and the CMHC spousal buyout program can finance up to 95% of the home's value with a signed separation agreement. Don't write the house [...]

Can I keep the house if I can’t qualify for the mortgage alone?2026-08-19T12:56:43-04:00

How do I know if I can afford to keep the house in my divorce?

Run the numbers a lender will run: the buyout amount, the new mortgage it requires, and your Gross Debt Service and Loan-to-Value ratios on your income alone — including support paid or received. The calculator [...]

How do I know if I can afford to keep the house in my divorce?2026-08-19T12:55:49-04:00