Episodes

  • #8. Mortgage Moves & Missteps Every Divorcee Must Know

    #8. Mortgage Moves & Missteps Every Divorcee Must Know
    Nov 12 2024

    Two years ago, I transferred the title and mortgage of my matrimonial home into my name. Even with a temporary six-month bridge loan as we were finalizing our separation agreement, I was hit with an early mortgage termination fee of over $2,000.

    I tried negotiating with my lender—one of Canada’s major banks—but they wouldn’t budge. And on top of that, I faced an additional $1,000+ in legal fees just to complete the title and mortgage transfer. 💸

    Oh, did I mention how much mortgage penalty we had to pay when we sold our investment property? 💸💸💸💸

    To help you avoid my costly mistakes, I invited Mortgage Agent Richard Castillo to discuss everything you need to know about navigating mortgage decisions during or post-divorce.

    In this episode, we covered:

    • The implications of recent interest rate changes in Canada and how they affect mortgage options, especially for those going through a divorce.
    • Challenges unique to post-divorce borrowers, including qualifying for mortgages on a single income and the financial nuances of transferring home ownership.
    • Why understanding different lending institutions matters and the key factors to weigh when choosing a mortgage.

    Curious about how to turn a “no” into a “yes” for your mortgage approval? Don’t miss Episode 8 of Untying the Knot.
    Richard Castillo
    519-781-7424
    https://dlcteam.ca/
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    Chapters
    00:00 Understanding Mortgage Options During Divorce
    04:46 Navigating Interest Rates and Market Conditions
    09:54 Choosing the Right Lending Institution
    14:58 The Importance of Flexibility in Mortgages
    20:07 Understanding Mortgage Penalties
    24:52 Qualifying for Mortgages Post-Divorce
    29:54 Transferring the Matrimonial Home
    34:56 Planning for Future Home Purchases
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    36 mins
  • #7. How to Sell Your Home During Divorce with Aron and Angelica Pinto

    #7. How to Sell Your Home During Divorce with Aron and Angelica Pinto
    Jul 31 2024
    Selling a home during a divorce can be uniquely challenging and emotionally charged. Amid the often high-conflict negotiations of a divorce settlement, you and your ex-partner must work together as a team to sell your home.➡️How can you align with your ex in the sale process? ➡️How do you prepare your home for sale, whether you're navigating in-house separation or one spouse remains in the home? ➡️What are the top three considerations for achieving the best outcome?These are just a few of the...
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    55 mins
  • #6. “Can One Person Change Their Marriage?” with Dave Inglis and Dr. Jennifer Forristal

    #6. “Can One Person Change Their Marriage?” with Dave Inglis and Dr. Jennifer Forristal
    Jul 18 2024
    Four years ago, Dave and Jen welcomed their baby boy, William, while juggling the needs of their two older children. Like many families, Dave worked while Jen stayed home with the kids on maternity leave.Raising a newborn during COVID, dealing with work stress, and facing other family challenges led to mounting resentment. “That was the toughest time in our 10 years together,” Jen recalls. “We were on the verge of divorce,” Dave adds.Spoiler alert: sex was definitely off the table then🤷🏻‍♀️Ca...
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    1 hr and 17 mins
  • #5. “Betting On Myself” with Cindy Cheung

    #5. “Betting On Myself” with Cindy Cheung
    Jul 5 2024
    Picture this. You’ve been married for over 20 years, raised two beautiful girls, bought your dream retirement home, have a good job, and are planning to transition to a more relaxed life with your spouse. Then, out of nowhere, shortly after selling your matrimonial home to “downsize”, your husband tells you he wants a divorce. Not only that, he had told his family, hired a lawyer, and you were literally the last to know.As if that wasn’t hard enough, COVID hits. You lose the new job...
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    1 hr and 7 mins
  • #4. Are You Entitled to 50% of Everything In A Common Law Separation?

    #4. Are You Entitled to 50% of Everything In A Common Law Separation?
    Jun 26 2024
    Do you have a shared bank account, house, or children with your common-law partner? Ever wondered what rights you have in a common-law relationship? Or how does splitting assets and co-parenting differ from being married? In this eye-opening episode, I sat down with Phaedra Klodner, an experienced family law lawyer, to unravel the myths and complexities of common law partnerships in Canada. The best part? Phaedra shared real-life examples! 📔We cover:➡️The legal definition of common ...
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    1 hr and 5 mins
  • #3. Thriving After High Conflict Divorce with Sarah and Sean

    #3. Thriving After High Conflict Divorce with Sarah and Sean
    Jun 14 2024
    After raising three children and overcoming a life-threatening illness, Sarah faced yet another challenge: her ex-husband's infidelity and numerous lies. Devastated and hiding under her desk, she didn’t know how to crawl out of the mess.That’s when Sarah and I met. And oh my gosh, am I in awe of her tremendous strength and growth over the past four years? Against all odds, Sarah has emerged stronger than ever. She is now a writer and coach, a rock for her three adult children and three grandc...
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    57 mins
  • #2. From Heartache to Hope: Rediscovering Life After Divorce with Jeff

    #2. From Heartache to Hope: Rediscovering Life After Divorce with Jeff
    Jun 6 2024
    In this episode, my friend Jeff opens up about the profound loneliness he felt in his marriage, his affair, and the complexities of co-parenting. He shares his journey of spiritual growth, rediscovering himself after divorce, and his pursuit of love and happiness.Jeff also shares the mistakes he made during his divorce settlement and the “bullets he bit” in co-parenting while striving to love, support, and care for his two daughters. I am deeply touched and grateful for Jeff’s candour an...
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    48 mins
  • #1. Heart-Centered Divorce with Lauren Ross

    #1. Heart-Centered Divorce with Lauren Ross
    May 29 2024
    Lauren Ross, a Certified Life Coach, joined me to delve into her transformative divorce journey. We explore:In limbo: the dilemma of staying or leaving the marriageHeart vs. head: adopting a compassionate approach to divorceScarcity vs. abundance mindsets: shifting perspectivesFacts vs. emotions: navigating the complexitiesSafety in marriage: finding security and empowermentSo many golden nuggets in this inaugural episode of Untying the Knot. Enjoy!--------------------------------------------...
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    1 hr and 11 mins