Mortgage Capacity Reports

Mortgage Capacity Reports

Call us on 01722 446133 to discuss


The mortgage capacity report is a detailed investigation into the level of mortgage a person is likely to be successful in obtaining. It will compare the level of maximum borrowing with the amount of mortgage the individual can actually afford to maintain. The assessment is more reliable and accurate than a visit to your Bank or by Building Society. This is because we don’t just use the affordability calculators on Lenders websites but their full lending criteria and attitude to risk.

The assessment is often required during divorce proceedings when proof of mortgage borrowing is required. Your mortgage capacity assessment needs to be credible, realistic and accurate and will help you in a number of ways:

  • Each mortgage capacity assessment is tailored to your exact circumstances to reflect the client's/individuals specific needs and objectives.
  • It can be used by the Court to help the Judge make a decision on finances.
  • It can be used by the other party (ex-partner and/or their solicitors).
  • From the Legal Representative perspective, it can be considered "Best Practice" in the way mortgage capacity is demonstrated.
  • It helps you/your client make accurate financial plans for the future.
  • Settles disputes between divorcing parties.

Our Mortgage Capacity Report is usually a 8-12 page document, if you would like an example please contact our office and we would be happy to help.


Our standard mortgage capacity assessment is £99.00 paid on completion of the report.

If you need to look at different scenarios, for example, you may need to know capacity to mortgage based on current financial circumstances as well as post divorce when maintenance may be payable or debt may be accrued. Our service will provide you with as many scenarios as you need at no extra charge.

We expect your report to be produced within 24 hours of the advisor receiving all the information.

As part of our service we charge £395 to arrange a mortgage for a client, if they have used our Mortgage Capacity Report service previously then our mortgage arrangement fee will be reduced by £99.