What Can You Do If You Can’t Afford Divorce Costs?

Divorce can be emotionally draining. But for many, the financial cost is the hardest part. Solicitor fees, court costs, and everyday living expenses quickly add up. And if you’re already struggling with money, the prospect of separating can feel impossible.

The truth is, you don’t have to stay stuck. So what can you do if you can’t afford divorce costs? There are practical options available. This guide walks you through what to expect, where to find support, and how Level can help you move forward with confidence.

Understanding the Cost of Divorce in the UK

Let’s start with the basics: how much does divorce actually cost?

Key Divorce Costs

Court fees: The current fee to apply for divorce in England and Wales is £593.

Legal fees: Solicitors typically charge £500–£1,500 for straightforward divorces. If the split is complex—such as when children or property are involved—costs can escalate to £20,000+.

Mediation: A less costly alternative to court, but still an expense—expect to pay around £100–£150 per hour.

Financial settlements: Whether it’s dividing assets or securing spousal maintenance, this stage can be both legally and emotionally demanding.

Many people find they can’t afford divorce simply because the upfront costs feel insurmountable. If you’re in this position, you’re not alone.

Can You Get Divorced If You Don’t Have Money?

Yes, you can. But it requires a different approach—one that leans on support systems, creative solutions, and sometimes specialist funding.

1. Check if You Qualify for Legal Aid

Legal aid is government funding that helps cover legal costs for those who can’t afford them. However, it’s only available in limited circumstances—usually involving:

• Domestic abuse or child protection issues
• Very low income and minimal savings

To find out if you’re eligible, use the official government tool: www.gov.uk/check-legal-aid

If you qualify, legal aid can cover solicitor fees, court representation, and even mediation costs.

2. Consider Mediation

Mediation is often cheaper, faster, and less confrontational than going to court. A trained mediator helps both parties reach an agreement on key issues—like finances or child arrangements.

While not always easy, it works best when both people are open to compromise. Costs are typically shared, and in some cases, Mediation Vouchers worth up to £500 are available to help cover sessions. You can learn more at: www.familymediationcouncil.org.uk

3. Look for Fixed-Fee or Low-Cost Legal Help

If you can’t afford a full-service solicitor, don’t assume legal advice is out of reach. Many firms now offer:

• Fixed-fee divorce services
• Unbundled services (where you only pay for specific parts, like document review)
• Pay-as-you-go consultations

You can also turn to community legal centres or law clinics for free or low-cost advice.

4. Struggling with the Mortgage? You’re Not Alone

Divorce often changes everything—including your housing situation. What happens if you can’t afford the mortgage after divorce? Can you keep the house? Will you need to sell?

These are deeply personal questions, but some common paths include:

• Selling the home and splitting the equity
• One partner buying out the other
• Postponing the sale if children are involved (called a Mesher Order)

It’s wise to get legal advice and financial guidance early. If you’re the one staying in the home but struggling with repayments, contact your mortgage provider—they may offer payment holidays or restructuring options.

5. Can’t Afford to Live After Divorce Costs?

For many, life becomes more expensive post-divorce. Rent or mortgage payments, utility bills, childcare costs—all once shared—can suddenly fall to one person.

If you can’t afford to live after divorce, help is available:

• Universal Credit: You may be eligible for financial support, especially if you have children or low income.
• Child Maintenance Service: Ensures both parents contribute to a child’s upbringing.
• Budgeting advice: Free organisations like StepChange and Citizens Advice can help you create a plan.

The road ahead might look steep—but there is a way through.

6. Divorce Settlement Loans: A Practical Way Forward

If legal aid isn’t an option and you’re unable to cover solicitor fees or settlement costs upfront, a divorce settlement loan could provide the breathing space you need.

What Is a Divorce Settlement Loan?

It’s a specialist loan designed to help individuals going through separation. The money can be used to:

• Pay for legal advice or representation
• Cover mediation or court fees
• Fund living costs while waiting for a financial settlement
• Even advance your expected settlement early, so you can move on, sooner

How It Works

• The loan is secured against your anticipated divorce settlement (e.g. proceeds from a property sale or agreed financial share)
• Repayment is usually made after the settlement is finalised
• No monthly repayments are required in the meantime, easing financial pressure

This can be a lifeline if you’re waiting for a resolution but don’t have access to funds now.

How Level Can Help

At Level, we understand that divorce doesn’t just come with emotional weight—it comes with real, immediate financial pressure. That’s why we provide divorce lending solutions tailored to your needs.

If you’re struggling with the cost of divorce but have a settlement due, our Divorce Advance can give you access to the funds you need now. Whether it’s to cover legal fees, secure housing, or simply move forward—we’re here to help.

Why Choose Level?

• We work closely with solicitors, financial advisers and clients across the UK
• Our team is experienced, professional, and empathetic—we know this is one of life’s toughest moments
• We offer fast, transparent support with no hidden surprises

You don’t need to go through this alone—or wait for everything to be finalised before getting help. If you can’t afford divorce, Level may be able to help you find a way through.

What’s Next?

Divorce is never easy—and financial stress can make it feel even more overwhelming. If you’re struggling to cover the costs of divorce, manage your mortgage, or afford day-to-day life afterward, you’re not alone.

Know that these are real-world but solvable concerns. From mediation to legal aid, budgeting support to tailored finance—help exists.

Level is here to stand beside you, offering clear, flexible support when it matters most.

Ready to Talk? We’re here to help. Get in touch today to find out how a Divorce Advance from Level could give you the breathing room to move forward—confidently and on your terms.