Buying out an ex-partner from the owner-occupied home
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Detailed explanation, checklist and sources
When buying out an ex-partner, not only the home's value and mortgage matter. Check ownership, mutual agreements and the bank's consent.
General information about Dutch law · Reviewed on · How we work
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Map out the financial position
Collect the deed of ownership, the current mortgage debt and agreements about money each person contributed personally. Agree on how you will determine the home's value and which date you will use for that purpose.
Discuss financing with the bank
An agreement between you and your ex-partner does not automatically mean that the departing partner is no longer responsible for the mortgage. Have the lender assess what is possible.
Record the division carefully
Have the notary arrange the transfer of ownership and division. Also agree who will pay interest, maintenance and other charges until then.
Your checklist
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Deed of ownership
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After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
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- Deed of ownership
- Mortgage and valuation
- Cohabitation or marriage agreements
Frequently asked questions
Is half of the equity always the buyout amount?
No. The ownership ratio, rights of reimbursement and other agreements may have an impact; a calculation does not replace that assessment.