Ben and Heather are joined by Craig Budden from Aussie Home Loans in Coffs Harbour to discuss the tricky business of getting finance after separation.

Topic covered include:

• The major challenges in getting finance post-separation
• Credit scores: what are they and how can divorce impact on your score
• How to rebuild your credit score if it takes a hit after separation
• Do banks count child support or spousal maintenance when calculating your income?
• Buying a new property if your name is still on a joint mortgage for the family home
• Removing your ex's name from the joint mortgage if they stop making payments
• What banks look for if you want to buy out your ex's share of the family home
• Is it possible and/or reasonable to maintain a joint mortgage after separation?
• Options for single parents seeking a home loan
• The Family Home Guarantee scheme - what is it and who's eligible?
• Top tips from Craig, Ben & Heather when seeking finance after separation

Ben and Heather talk about the contributions to a marriage that can be factored into a property settlement, focusing on the non-financial contributions which can easily be missed. Together they discuss the following:

• The legal definition of "contributions"
• Step-children - parenting and paying for other people's children
• Stay-at-home parents
• Putting a partner through education
• Living rent-free with the in-laws
• How to ensure that all your contributions are considered in the property settlement

Ben and Heather are joined by Klaudia Gebert, psychologist and founder of Self Reflection, to talk about transitioning to a single person after separation. Topics discussed include:

• Grieving the loss of your marriage/relationship
• Overcoming loneliness
• What people with multiple separations may be doing wrong
• Regaining purpose after separation
• Where to look for support with reinventing yourself
• Casual dating after separation
• Finding love again after separation