The Family Matters Show

Getting Finance after Separation

The Family Matters Show

Show Notes

Ben and Heather are joined by Craig Budden from Aussie Home Loans in Coffs Harbour to discuss the tricky business of getting finance after separation. Topic covered include: The major challenges in getting finance post-separation Credit scores: what are they and how can divorce impact on your score How to rebuild your credit score if it takes a hit after separation Do banks count child support or spousal maintenance when calculating your income? Buying a new property if your name is still on a joint mortgage for the family home Removing your ex's name from the joint mortgage if they stop making payments What banks look for if you want to buy out your ex's share of the family home Is it possible and/or reasonable to maintain a joint mortgage after separation? Options for single parents seeking a home loan The Family Home Guarantee scheme - what is it and who's eligible? Top tips from Craig, Ben & Heather when seeking finance after separation

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One of the most common, and emotionally loaded, questions people ask during separation is, "Can the children decide?" Can they choose where to live, and who to spend time with, and how much weight should be given to their wishes. In this episode, Ben and Heather are joined by clinical psychologist Kate Gray to discuss children's wishes in separation. Kate is Director of Family Focus Psychology in Melbourne and works closely with children and families navigating separation. Kate helps us to understand the psychological side of children's wishes, including how influence, pressure and loyalty conflicts can quietly shape what children say they want. Topics covered include: The influences at play for children during separation. How a child's age and stage of development affect their ability to form and express genuine wishes. Situations where children are influenced without any parent meaning to pressure them Legally, how children's wishes are treated in family law. How the law balances listening to a child's views and protecting them for emotional burden. What helps children feel safe to express their thoughts without feeling they're choosing sides.

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This month, we replay one of our most popular episodes (second most listened in fact) which deals with the ins and outs of de facto relationships. Ben and Heather explore a range of topics relevant to anyone in a de facto relationship, or heading into one. What is a de facto relationship? How long do you have to live together to be in a de facto relationship? How does the law decide when the de facto relationship starts and ends? What does the Court consider when deciding if a de facto relationship exists? Is it possible to be in a de facto relationship and not be living together? Is it possible to be in a de facto relationship while married to someone else? Do you need to register a de facto relationship? Is a de facto relationship any different to a marriage under the law? Does the law treat a same sex de facto relationship any differently than a heterosexual de facto? Does the law treat property disputes any differently for a de facto relationship versus a marriage? Does the law treat children's matters any differently for a de facto relationship versus a marriage? Can I apply for spousal maintenance after a de facto relationship? Should I get a pre-nup or financial agreement before entering a de facto relationship?

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When people think about separation, they often imagine conflict — lawyers on opposite sides, fighting it out on behalf of their clients. But in family law, that adversarial mindset doesn’t always lead to the best outcomes. In this episode, Ben and Heather chat to Marius Eden from Ramsden Family Law about how strong professional relationships with "opposing" counsel can make a real difference to how clients experience separation, both legally and emotionally. Topics discussed include: What does collaboration between opposing solicitors look like...and what does it not involve? The importance of professional respect in achieving good outcomes for both sides. How solicitors can handle genuine disagreement without becoming adversarial. How the way lawyers communicate influences whether a matter becomes combative. Are there situations where collaboration is not appropriate, and how to recognise and manage these?

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