Free Legal Tool
Estimate what one spouse would need to pay the other to keep the matrimonial home instead of selling it, based on the home's equity.
Estimate only — not legal advice. A full equalization calculation includes all family property, not just the home.In Ontario, buying out a spouse's share of the matrimonial home usually means paying them half of the home's current equity, then refinancing the mortgage into the buying spouse's sole name. The matrimonial home receives special treatment in equalization — its full value on the separation date is shared, even if one spouse owned it before the marriage. A current appraisal and a mortgage pre-approval are the practical starting points for any buyout.
The matrimonial home generally has its full value included in equalization, with limited exceptions.
Real equalization nets all family property and debts — this tool looks at the home in isolation.
The spouse keeping the home typically needs to qualify to refinance the mortgage solely in their name.
Equalization uses the home's value on the valuation date, not necessarily today's market value.
Free to use on your own website or blog — just copy the code below. Includes attribution back to Legal Solutions Law Firm.
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</p>Our Toronto family lawyers can walk you through a full equalization calculation and the refinancing process. Get a free consultation.
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A calculator is a starting point — for advice on your specific situation, speak with an experienced Ontario lawyer. Free consultation.