If you’ve been asked to provide a Mortgage Capacity Report — or your solicitor has mentioned you may need one — I can help. I provide clear, thorough, lender-aware Mortgage Capacity Reports for clients going through divorce and separation proceedings across the UK.
Mortgage Capacity Reports are charged at £295. There are no hidden costs.
Mortgage Capacity Reports are not regulated by the Financial Conduct Authority and are not covered under the Financial Ombudsman Service.
A Mortgage Capacity Report is an independent assessment of what you — or you and your ex-partner individually — may realistically be able to borrow, based on your current financial circumstances.
It isn’t a mortgage application and it isn’t a guarantee of lending. What it is, is a clear, honest, expert picture of what’s likely to be possible — based on real lender criteria and current market conditions, not guesswork.
These reports play a crucial role in divorce proceedings — helping solicitors, mediators, and courts understand each party’s ability to secure a mortgage independently, supporting fair and equitable property settlement, and contributing to informed negotiation.
Every report is personalised to your individual circumstances. A standard Mortgage Capacity Report from me will include:
Where the court specifies additional scenarios, these can be discussed and quoted for separately.
A Mortgage Capacity Report that is vague, out of date, or based on inaccurate lender criteria can delay a settlement, mislead a court, or leave a client with unrealistic expectations about what’s actually possible. Because the report is often shared between solicitors and may be used in court proceedings, it’s important that it is accurate, clear, and concise — and drawn up by a fully qualified adviser.
That’s the standard I hold myself to. Every report I produce is written by me personally, based on a thorough review of your finances and current lender criteria at the time of writing.
If your solicitor has asked for a Mortgage Capacity Report, or you want to understand your position before proceedings progress, I can provide one for you directly.
If you need a report for a client as part of financial proceedings, I can work to your timescale and provide a report that is clear, properly evidenced, and fit for purpose. I’m used to liaising directly with legal teams and I understand the context in which these reports are used.
Where both parties need to be assessed, I can produce reports for each individually and, where appropriate, coordinate the process to keep things moving efficiently.
£295 per report. Where additional scenarios are required beyond the standard report, these will be quoted and agreed in advance.
I aim to turn reports around promptly. If you are working to a specific court date or legal deadline, please mention this when you get in touch and I’ll do everything I can to accommodate your timescale.
No. An agreement in principle comes from a specific lender and indicates they may lend you a certain amount subject to a full application. A Mortgage Capacity Report is an independent adviser’s assessment across the whole market — it gives a broader picture of what you may be able to borrow and is used specifically in legal and court proceedings, not as part of a live mortgage application.
I aim to turn reports around as quickly as possible. If you have a specific court date or legal deadline, please let me know when you get in touch and I’ll do my best to meet your timescale.
Yes. These reports are commonly commissioned to support financial proceedings and may be submitted as part of a financial settlement. The report is written to be clear, accurate, and suitable for that purpose.
Typically you’ll need to provide details of your credit history, income, monthly outgoings, existing financial commitments, and any maintenance arrangements. I’ll send you a clear list of what’s needed once we’ve had an initial conversation.
Yes. Where both parties require individual assessments, I can coordinate this to keep the process straightforward. Each report is prepared independently and individually.
Complex income is something I deal with regularly. I understand how different lenders assess self-employed income, variable earnings, maintenance, and benefits — and I’ll make sure your report accurately reflects how lenders would view your full financial picture.
Whether you’re a solicitor with a client referral, or an individual who’s been asked to provide a report, please get in touch to discuss your situation.
