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For homeowners 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 a free, private borrowing check. Nothing you type leaves your device.

Try the borrowing checker Hear when it's ready

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

Made for the "what now?" moment

  • You're separating and you own a home together. Married, in a civil partnership, or living together.
  • You're doing it on your own. You want to understand your options privately, at your own pace.
  • You're doing it together. You're both trying to keep things calm and fair, and want the same facts in front of you.
  • You're in England or Wales. The law and process are different in Scotland and Northern Ireland, so we're starting here.

Not a homeowner? We're building for you too. Tell us what would help.

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.

What we're building next

Splitt is at an early stage. Here's what you can use today and what we're working on.

  • Understand your finances

    Available now

    The free, private borrowing checker on this page. See an illustrative range for what lenders typically consider on one income. Nothing you type leaves your device.

    Try the borrowing checker

  • Plan your next steps

    Coming next

    Your step-by-step plan. One clear roadmap through the legal, money, housing and children's sides of separating, based on your situation.

    Solo or together. A private space that's only ever yours, plus an optional shared space for the things you choose to agree on together.

    Plain-English guides. For example, when a self-completed form may be enough and when to speak to a solicitor or mediator.

  • Find support

    Available now

    If you need someone to talk to today, the helplines below are free and confidential.

    Coming next

    Life after. Running a home on your own, a simple family calendar, and a community of people who've been there.

Tell us what matters most and you'll help shape it. Get in touch.

We're building the rest of Splitt

The borrowing checker is the first piece. 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 hello@splitt.uk 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: hello@splitt.uk
  • The borrowing checker runs entirely in your browser. We don't collect, store or send the figures you enter.
  • 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.