Getting a mortgage after divorce should not always be difficult. 

Client and their ex-partner separated about 2 years ago. Divorce was completed just under 1 year ago.

They've been wanting to get a new home since separation so they could have a new start. Spoke with 3 - 4 mortgage brokers and bank advisors about their situation.

However, they were declined due to having a large support payment of just under $1,700/month AND an auto loan of just over $1,000/month. Credit card and line of credit balances were also higher due to expenses involved in the divorce process.

Credit score was also affected due to high utilization. This means the balance was near the maximum allowed limit. Credit score will be affected even if payments are made on time but balances remain high.