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For people separating in England and Wales

Separating? Let's work out what happens to the house.

Splitt helps you see where you stand on the home and money, whether you're going through it on your own or working it out together. Start with free next steps for where you are now, or a private borrowing check. Nothing you type leaves your device.

Find your next steps Try the borrowing checker

For people in England and Wales. Illustrative guidance only, not advice.

Where are you right now?

Pick one. You'll get three next steps.

Just looking? Read the guides.

These next steps and guides are for England and Wales. The law is different in Scotland and Northern Ireland. In Scotland, see mygov.scot. In Northern Ireland, see nidirect.

Could I keep the house, or buy on my own?

Answer a few questions about your own income and outgoings. We'll show you an illustrative range for what lenders typically consider on one income. It isn't a real figure from a lender, and it isn't advice.

It takes about 3 minutes. We don't store or send anything you enter.

This checker runs only in your browser. Nothing you enter is saved or sent.

Your own salary or self-employed profit only, not your partner's. If you're self-employed, use your average from the last two years.
For example child maintenance or spousal maintenance you'll receive. Lenders treat this very differently. Some count all of it, some count part, and some ignore it, often depending on whether there's a court order or Child Maintenance Service arrangement. We'll show you the range both ways.
Loan, credit card and car finance repayments, childcare costs, and any maintenance you'll pay. Leave out everyday bills.
Lenders consider the cost of dependants when they check affordability.
What are you thinking about?
Between 5 and 40 years.

Your illustrative range will appear here.
Everything is worked out on your device. Nothing you enter is saved or sent.

We're building the rest of Splitt

The borrowing checker, checklists, guides and money picture are the first pieces. Next come step-by-step plans, help for doing it together, and support for life after separating.

Want to hear when it's ready, or have thoughts?

We'd love to hear from you. Email us at [email protected] and tell us what would help most. We read every message.

Our waitlist isn't open yet. There's no sign-up form on this page, so we don't collect anything here. Please use an email address that only you can read. See our privacy notice.

If you need support right now

Important

Splitt provides general information and illustrations only. It isn't legal advice, financial advice or mortgage advice, and it doesn't recommend any lender, product or course of action. Lenders each use their own criteria, and what you can actually borrow depends on a full assessment by a lender or a qualified mortgage adviser. For legal questions, including how your home and money should be divided, speak to a family solicitor or mediator.

Splitt isn't a law firm, a mortgage broker or a lender, and isn't authorised by the Financial Conduct Authority.

The figures in the borrowing checker use Splitt's own illustrative assumptions (4 to 4.5 times income, and example interest rates of 5% and 7%), based on published public sources. They are not any lender's criteria. Some lenders offer higher multiples to some people.

Privacy at Splitt (summary)

  • Who we are: Splitt is a trading name of Etty Ltd, which is registered with the Information Commissioner's Office (ICO), registration reference ZC281101. Contact: [email protected]
  • The borrowing checker runs entirely in your browser. We don't collect, store or send the figures you enter.
  • The money picture tool and the checklists also run entirely in your browser. We don't collect, store or send anything you type or tick, and nothing is saved on your device. Reload or close the page and it's gone.
  • If you print or save your money picture as a PDF, your browser makes that copy on your own device. It isn't sent to us and we never see it. Keep it somewhere safe, especially if you share the device.
  • The waitlist isn't open yet. There's no sign-up form on this page, so we don't collect your email address here. We'll update this notice before we start collecting anything.
  • If you email us: we'll use your email address and message only to reply to you and, if you ask, to let you know when Splitt is ready. Your email is handled by our email provider. We keep messages for up to 24 months after our last reply, unless you ask us to delete them sooner.
  • Analytics: we use Cloudflare Web Analytics, provided by Cloudflare, Inc., to count page views and see how quickly the site loads. It's cookie-free: it doesn't use cookies or store anything on your device, and Cloudflare says it doesn't fingerprint you or build a profile of you. We only see aggregated page-view data, such as how many visits a page had, which website people came from and roughly which country they were in. Cloudflare also hosts this site, so, like any web host, its servers handle your IP address to deliver the page and keep the site secure.
  • Your rights: you can ask to access, correct or delete your data, or complain to the Information Commissioner's Office (ico.org.uk).
  • We will never sell your data or share it with a broker or anyone else without your separate, explicit agreement.