No matter how prepared you feel when your marriage breaks down, navigating separation and then a divorce is an emotionally draining experience – regardless of who initiated the process. Separation and divorce can also be expensive as you begin dividing your finances and assets. But getting an early start on these proceedings can save you a lot of time, stress and even money down the road. Whether you choose to sell your matrimonial home and split the proceeds or you wish to buy out your former spouse, I have a solution for you. For instance, when refinancing a typical mortgage, you can only access up to 80% of the home’s value. But, through an Equity Buy-Out Program, you can essentially buy the home from your former spouse and unlock up to 95% of its equity. This added access to funds often makes the difference between one spouse being able to buy out the other’s half of the home versus having to sell the home and find two new separate places to live.