First clarify: who owns what?
- Land register: who is registered as owner – both half each, a different split or only one person?
- Loan: if both signed the loan agreement, both are usually liable to the bank for the whole amount – regardless of who moves out.
- Equalisation of accrued gains: in a divorce under the statutory property regime, the value of the property is included in the calculation – which is why a realistic value matters.
Four ways forward for the shared property
One partner takes over
One partner pays the other out and keeps the property. The bank has to agree to release the other partner from the loan.
Joint sale
Often the cleanest solution financially and emotionally: the proceeds repay the loan and the rest is divided.
Letting
Both remain owners and let the property – which requires agreeing on costs, repairs and tenants in future.
Partition auction
Without agreement, any co-owner can apply for an auction. It usually takes long, costs money and often brings less than a sale.
A value both of you can trust
Disputes often start with the price. A neutral, comprehensible valuation creates a common basis – for a payout as well as for a sale. We prepare it for both partners equally.
Important: we are estate agents, not lawyers or tax advisers. This is general information without guarantee (as of November 2026). Please clarify family-law and tax questions individually with a lawyer and your tax adviser.
Frequently asked questions
Can one partner sell the shared house alone?
No. If the property belongs to both, both have to agree to the sale. Without agreement, only a partition auction remains.
How do we find a fair price for a payout?
With a neutral valuation that both of you can follow. We prepare it for both partners together.
Request a valuation for both of you
Neutral, discreet and easy to understand – so that you can make a good decision.