Private Lending for Spousal Buyouts and Family Property Division
Assadi Private Capital provides real estate-secured, short-term financing for clients navigating divorce, separation, or family property buyouts. We work exclusively through licensed mortgage brokers and legal professionals to structure customized lending solutions that allow one party to retain the home or acquire the other’s interest.
Matrimonial and separation-related real estate matters are among the most time-sensitive and emotionally charged situations in private lending. Our role is to act as a neutral, professional source of capital, enabling transitions without delay, and with full regard for legal process and equitable outcomes.
What Is a Matrimonial Buyout Mortgage?
A matrimonial buyout mortgage provides financing to one spouse or partner to purchase the other’s share of jointly owned property. These loans are often used:
• During active separation or pending divorce proceedings
• Following court orders or family law agreements
• To support buyout offers as part of negotiated settlements
• To prevent forced sale of the family home
• To refinance and remove a former partner from title and mortgage obligations
Traditional lenders often decline these transactions unless the separation is finalized and the borrower meets strict income and credit criteria. In contrast, Assadi Private Capital considers the equity in the home, the intentions of the parties, and the plan to exit the loan through sale or institutional refinance.
Why Private Lending Is Often Needed
• One party lacks qualifying income due to life transition
• Credit has been affected by shared debts or default
• The property needs to be refinanced before legal settlement concludes
• One party wants to preserve home stability for children
• Institutional lenders are unwilling to finance before title or matrimonial rights are fully settled
• Family dynamics or urgency require a more flexible, timely solution
We assess each file with care, confidentiality, and a practical focus on outcomes.
Lending Parameters
• Loan Amounts: $50,000 to $250,000
• Security: 1st or 2nd position mortgage on Canadian residential property
• LTV: Up to 70%, depending on the jurisdiction and agreement status
• Term: 6 to 12 months (interest-only)
• Exit Strategy: Property sale, institutional refinance, or family contribution
• Appraisal: Required – full “as is” market value
• Legal Framework: Must be accompanied by separation agreement, minutes of settlement, or lawyer’s direction
We coordinate with counsel and mortgage professionals to ensure all parties understand the structure and terms of the transaction.
Who This Is For
• Spouses or partners separating amicably but needing interim financing
• Legal representatives supporting clients in family law matters
• Mortgage brokers placing deals that banks decline due to complexity or timing
• Buyouts involving inherited, gifted, or previously co-owned family properties
• Situations involving co-signers, title transfers, or uneven equity distribution
We do not lend directly to consumers. All files must be introduced by a licensed or regulated intermediary.
Why Refer to Assadi Private Capital
• We move quickly and fund when others will not
• We lend based on real estate equity, not speculative future income
• We understand the legal dynamics of matrimonial files
• We respect the confidentiality and emotional complexity of separation
• We work with your client’s lawyer and broker, not around them
Our goal is not to profit from distress, but to support practical solutions when conventional financing fails.
Let’s Work Together
If you’re managing a matrimonial file involving a property buyout or separation-driven refinance, and require a lender who can move decisively and professionally, contact Assadi Private Capital.
We’re ready to review your file and structure a solution that fits the legal, financial, and human context of your client’s situation.