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Divorce Mortgage Countermeasure Center（離婚・住宅ローン対策センター）is a mortgage-related consultation service for divorcing or divorced families in Japan. Its core focus is not payment acquiring, but rather solution planning and support in negotiations with financial institutions for complex situations involving property ownership, mortgage holder names, joint debt, joint guarantees, loan refinancing, and voluntary sale.
The service focuses on cases such as one party taking over the property and mortgage after divorce, removing an ex-spouse from a joint guarantee, handling sale difficulties when the remaining mortgage balance exceeds the property’s sale price, and arranging voluntary sale to avoid foreclosure after mortgage delinquency. According to the text, the team conducts a preliminary diagnosis before a formal loan application and designs preparations to improve approval chances based on income, employment type, annual income, length of employment, card loans, and other debts. This may include checking credit information, adjusting credit limits, consolidating borrowings, preparing divorce agreements and related contracts, and obtaining real estate appraisals. The service covers all of Japan, with remote support available by phone and email.
Mortgage diagnosis is free. If a client formally engages the service and passes the loan review, a success fee is charged, capped at 5% of the financing amount. No fee is charged if the review is not approved. In principle, the service fee can be included in the ancillary cost loan attached to the mortgage, reducing the client’s upfront cash burden, though whether this is possible depends on the financial institution. The process usually takes around 2–3 months, with the loan review generally taking 2–3 weeks and preliminary materials plus diagnosis taking about 1–2 weeks.
The advantage is that the service targets clearly defined niche scenarios and specializes in divorce-related mortgage issues that banks typically regard as exceptional and difficult. It also discloses that the service is provided by JMPパートナーズ, described as a loan agency of 株式会社トービル, a money lending business registered with the Kanto Local Finance Bureau, and that it has a certified money lending operations supervisor. The disadvantages are that the success fee cap is relatively high, and the site does not disclose specific partner financial institutions, actual approval rates, or loan interest rate ranges. Outcomes depend heavily on the individual’s income, credit history, and bank policies.
This is suitable for individuals in Japan who have a mortgage and, after divorce, want to keep the property, change the mortgage holder, remove a joint guarantee, or arrange a voluntary sale. It is not suitable for users looking for cross-border payments, merchant acquiring, or API integration. The text does not provide information on access from mainland China, so its availability is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on divorcemortgage.jp official site.
divorcemortgage.jp is an Japan Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach divorcemortgage.jp directly.