After the settlement, the next home.

Family-law settlements involving property attract specific tax treatment. Section 126-5 ITAA 1997 provides a marriage / relationship-breakdown rollover for CGT. Transfers under a court order or binding financial agreement defer CGT until the receiving spouse later sells. Family-court-ordered transfers between spouses are also exempt from stamp duty under each state's Duties Act (NSW s68A, VIC s44, QLD s152, etc.).

Practical capacity reset: post-separation buying capacity is materially lower because you're servicing on a single income with often a child-support obligation factored in. The buying-power calculator reflects this. Input single income, dependants, monthly expenses, and existing debt servicing. Most banks will discount child support by 60-80% for credit purposes.

What we model: capacity on a single income, stamp duty with FHB-disqualification (you've owned before so FHB exemptions don't apply to most), CGT positioning if the transferred property is being sold within a year of the order.