If you work in family law — whether as a solicitor, mediator, financial adviser, or another professional supporting clients through separation — I’d love to work alongside you.
I understand the sensitivity of your clients’ circumstances and the importance of getting the mortgage, protection, and home insurance side right, quickly and accurately. I’ll always treat your clients — and you — with professionalism, discretion, and genuine care.
Working under the FCA’s Consumer Duty, my commitment is to deliver good outcomes for every client I work with — particularly those who may be in a vulnerable position during their separation. In practice this means:
— every conversation is in plain English, with no jargon and no assumed knowledge
— I take the time to understand each client’s unique circumstances before making any recommendation
— mortgage advice fees start from £499, depending on individual circumstances. There is no charge for protection insurance advice. Mortgage Capacity Reports are charged at £295. All costs are discussed and agreed with clients upfront — no surprises
— my role is to give clients the information they need to make informed decisions, at their own pace
— mortgage, protection insurance, and home insurance are reviewed together as part of the same process
You can refer clients to me with confidence that they’ll be treated with the care, professionalism, and transparency that Consumer Duty requires.
I provide a dedicated standalone page covering Mortgage Capacity Reports in full — what the report covers, when it’s needed, who it’s for, and FAQs.
A Mortgage Capacity Report surveys the whole market and sets out, in clear terms, what a client may realistically be able to borrow given their individual financial circumstances following separation. It is an independent assessment — not a lender commitment — and is commonly used to help courts, solicitors, and mediators understand whether a party may be able to secure a mortgage to either buy out their ex-partner or afford a new property purchase, before decisions are made that cannot be undone.
Mortgage Capacity Reports are charged at £295. I aim to deliver completed reports 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.
Mortgage Capacity Reports are not regulated by the Financial Conduct Authority and are not covered under the Financial Ombudsman Service. The report is prepared by Vicky Probert as an individual.
— I focus specifically on clients going through separation and understand the legal process and timescales involved
— I know your clients are often working to legal deadlines and I take that seriously
— I search the whole market, not just a panel
— my advice covers mortgage, protection insurance, and home insurance as standard. Your clients won’t leave our conversations with a mortgage sorted but everything else overlooked
— I’ll liaise directly with you and your team when it helps move things along
— your clients are at a vulnerable point in their lives and I treat them accordingly
— fully authorised and compliant, so you can refer with complete confidence
— you manage the legal settlement, I handle the mortgage side. I work to your timescales, liaise with you directly, and keep things moving. I also provide Mortgage Capacity Reports as part of financial proceedings
— when clients are working through their financial arrangements in mediation, knowing what each party may realistically be able to borrow is essential to reaching a fair outcome. I can provide capacity reports and affordability guidance to support the process
— if you advise on pension sharing, financial settlements, or investments post-divorce but not on mortgages or protection insurance, I’m a reliable specialist to refer across to. Equally, if protection insurance or home insurance falls outside your remit, I’m well placed to cover that side of things as part of the same joined-up advice process
— you support clients through the emotional journey, I help with the practical financial piece. A warm referral from someone they already trust can make a real difference
— particularly relevant where clients are self-employed or have complex income. I’m experienced in working with non-standard income structures and know which lenders take the most flexible approach
It’s as simple as an introduction. Once you refer a client to me, I’ll make contact promptly, handle everything on the mortgage, protection, and home insurance side, and keep you updated as needed. I’m always happy to have a quick call to discuss a client’s situation before the introduction if that helps.
There’s no cost to you or your client for an initial conversation.
Consider adding a simple enquiry form to this page with fields for: Name, Organisation, Client situation (brief description), Best contact method. A downloadable PDF one-pager about the Mortgage Capacity Report service would also be a valuable addition.
Based in South Yorkshire and beyond — working with professionals and their clients across the UK.
