Divorce House Buyout Calculator UK
Work out the net equity in the family home, model different splits, and see whether buying out your ex looks affordable before you move into the wider settlement numbers.
The Family Home
Average 2–3 estate agent appraisals — not the Rightmove asking price.
Costs That Reduce the Equity
Estate agent (1–2% + VAT) plus conveyancing. Often modelled at ~3% for disclosure, even when nobody plans to sell.
On your mortgage redemption statement. Often waived if the person keeping the house stays with the same lender.
Want to Keep the House? (optional)
We test the new mortgage against an illustrative 4.5× income multiple. Lenders vary (roughly 4–5×) and stress-test outgoings.
Savings or family help that could reduce how much extra you need to borrow.
Your Home's True Net Equity
The Form E number — what would actually be left if the house sold today.
How Should the Equity Split?
Add your income on the left to test whether you could afford to buy your ex out and keep the house.
Three ways the house can go
A deeper read of the figures above — the same breakdown we email to you as a PDF.
Sell and split
The house is sold, the mortgage and any early repayment charge are redeemed, sale costs are paid, and the remaining equity is divided on the split you are modelling.
You buy them out
You keep the home, take on the whole mortgage in your sole name, and pay your ex their share of the equity — from cash, extra borrowing, or by giving up other assets.
They buy you out
Your ex keeps the home and pays you your share of the equity. They must be able to refinance the mortgage in their sole name and be released from any joint borrowing.
What to double-check
No obvious modelling flags yet. Add your figures on the left and the checks will appear here.
Documents that settle the argument
A valuation dispute is usually an evidence gap. Gather these before negotiating.
Get your buyout report
FreeA polished PDF — your net equity breakdown, all three scenarios, the affordability check and a checklist of what to gather next. Emailed straight to your inbox.
The house is only one part of the settlement.
We'll carry these house figures across and save your progress.
Important limitation
This tool is illustrative modelling only. It is not legal advice, a property valuation, a mortgage offer or a prediction of a court outcome. In England and Wales, the final financial order depends on the full asset picture, housing needs, children, income, pensions and fairness.
Read full termsHow the house buyout calculator works
The family home is often the hardest asset to discuss because the headline value is not the useful number. A buyout starts with net equity: market value minus the mortgage, any early repayment charge and sensible sale cost assumptions.
Once the calculator has that equity, it applies the split you choose. A 50/50 split shows each person receiving half of the net equity. A 60/40 split shows one person taking more capital, which may be relevant where housing needs or children make an equal split unrealistic.
If you want to keep the house, the calculator then models the practical buyout. It estimates the lump sum owed to your ex, how much cash you can put in, the new mortgage you would need, and whether that mortgage is close to common lending limits.
House valuation guide
Use this if you need to decide what figure to enter for the property value and how to evidence it.
Wider settlement calculator
Add pensions, savings, business assets and liabilities once the house numbers make sense.
Worked example: buying out your ex
Suppose the home is worth GBP 420,000, the mortgage is GBP 260,000 and estimated sale costs are GBP 10,000. The net equity is GBP 150,000. On a 50/50 split, each person has GBP 75,000 of equity. If you keep the house, you need to take over the existing mortgage and find a way to pay your ex their GBP 75,000 share.
If you have GBP 20,000 cash available, the extra borrowing needed is roughly GBP 55,000, making the new mortgage about GBP 315,000. The affordability question is then whether that new loan works on your sole income and outgoings.
Use the result as a property snapshot
The calculator gives you a clearer starting point for Form E section 2.1 and for settlement discussions. Replace estimates with valuation evidence, mortgage statements and a redemption statement before relying on the figures formally.
Start Form E free