Life Events

Separation Property Guide

The family home is the biggest financial decision in any separation. This guide helps you understand your options clearly and privately. Know your numbers before you talk to anyone.

✓ Private and confidential ✓ 14-day money-back guarantee ✓ Updated March 2026
€59
Instant download. 30+ page PDF + 3-tab Google Sheets.
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Whether you're just starting to think about separation or you're already in the process, the property and financial side can feel overwhelming. This guide gives you the clarity to make informed decisions, at your own pace, in your own time.

It covers every scenario: buying out your partner, being bought out, or selling and splitting. With real Irish figures, real tax implications, and real options you might not know about.

What's Inside

Emergency Financial Checklist

Immediate steps: joint account protections, credit card considerations, maintaining mortgage payments, freezing joint credit. What to do in the first week.

3 Settlement Scenarios

Side-by-side comparison: you buy out, they buy out, or sell and split. Real numbers for each with tax implications and ongoing costs.

Buyout Calculator

Google Sheets: enter the property value, mortgage balance, and equity split. See exactly what each scenario costs.

Legal Options Compared

Separation agreement vs judicial separation vs divorce vs collaborative law. What each involves, what each costs, and which suits your situation.

Family Home Protection Act

Your rights explained clearly. What consent means, what happens without it, and how the courts approach the family home.

Housing Options If You Leave

Private rental market, HAP (Housing Assistance Payment), local authority housing list, family support. Practical, not just financial.

Credit Rating Impact

What happens to your credit score during separation. How to protect it. What lenders look at when you apply for a new mortgage.

"Fresh Start" as a First-Time Buyer

Separated or divorced and no longer have an interest in the previous property? You qualify as a first-time buyer again for Central Bank lending rules. Help to Buy, First Home Scheme, and Local Authority Home Loan may all be available to you.

Start Here
Buyout Calculator
Settlement Comparison
3 tabs · Pre-filled with worked example (family home in Malahide, valued at €520,000, mortgage balance €280,000) · All 3 settlement scenarios modelled
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Starting fresh with a new property?

If you qualify as a "Fresh Start" first-time buyer, the FTB Starter Kit (€19) covers Help to Buy, mortgage comparison, solicitor checklist, and everything you need for your next purchase.

FTB Starter Kit (€19)

Frequently Asked Questions

Is this a substitute for legal advice?
No. This guide gives you the financial clarity and practical information to make informed decisions, but it doesn't replace a solicitor for legal matters. It helps you prepare so your time with a solicitor is more productive and less expensive.
I haven't told anyone yet. Is this private?
Completely. It's a digital download to your email. No post, no phone calls, no follow-ups. You can read it in your own time, in your own space.
Does it cover pensions?
Yes. There's a chapter on Pension Adjustment Orders covering defined benefit and defined contribution schemes, how they're valued, and what to expect.
What about mediation?
The guide covers the Legal Aid Board's free mediation service and private mediation options, including costs and what to expect from the process.
What format is it?
30+ page PDF guide (prints on A4) plus a 3-tab Google Sheets workbook with the Buyout Calculator, Settlement Comparison, and Financial Disclosure Checklist.
What's your refund policy?
14-day money-back guarantee, no questions asked. Email hello@irishpropertyguide.ie.

The Separation Property Guide is included in the Complete Irish Property Toolkit (€249). Already bought this guide? Check your purchase email for your upgrade discount.

View the Complete Property Toolkit (€249)

Know your options. Know your numbers.

3 settlement scenarios. Buyout calculator. Emergency checklist. Fresh Start FTB eligibility. All in one place.

Get the Guide €59

14-day money-back guarantee · Instant download · Private and confidential