Separation Property Guide

What's Inside

• 3 settlement scenarios compared — sell and split, one partner buys out, or defer the sale. Side-by-side table showing tax, mortgage, pros, cons, and who each works best for
• Buyout calculation worksheet — fill in your numbers to calculate equity, the departing partner's share, and whether the remaining partner can afford the mortgage alone
• Tax implications explained — CGT, stamp duty (none between spouses), maintenance payment taxation, mortgage interest credit, and LPT
• Legal process and timeline — from informal agreement through deed of separation, judicial separation, and divorce. What each step costs and how long it takes
• Mediation guide — how it works, what it costs (free through the Legal Aid Board), and why it almost always leads to better outcomes than court
• Practical separation checklist — immediate actions, within-1-month tasks, within-3-month tasks, and ongoing requirements. Including the financial documents to gather and the mistakes to avoid
• BER and compliance requirements — what you need if selling or renting the property after separation, SEAI grants for inherited or transferred property