# What happens if neither spouse can qualify alone?

> Options include: (1) selling the property and splitting equity, (2) one spouse keeping the home with a co-signer/guarantor, (3) negotiating a delayed sale clause in the separation agreement allowing the custodial parent to remain until children reach a certain age, (4) private lending as a bridge solution.

Category: Legal
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/legal/what-happens-if-neither-spouse-can-qualify-alone

## Answer
Options include: (1) selling the property and splitting equity, (2) one spouse keeping the home with a co-signer/guarantor, (3) negotiating a delayed sale clause in the separation agreement allowing the custodial parent to remain until children reach a certain age, (4) private lending as a bridge solution. Each option has distinct financial and legal implications.

## Related guide
- https://ratellow.com/guides/divorce-separation-mortgage

## Sources
- CMHC Spousal Buyout — 95% LTV Exception — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf
- B-20 Refinancing Standards — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.4.3