We provide professional Mortgage Capacity Reports tailored for individuals navigating divorce or separation. These reports are often required in Family Court proceedings to demonstrate your potential borrowing power and to help establish realistic financial expectations.

Each report is independently researched and written to Family Court standards, ensuring clarity, transparency, and credibility for all parties involved.

What Is a Mortgage Capacity Report?

A Mortgage Capacity Report is an official document used to show how much mortgage borrowing you could reasonably obtain after a separation or divorce.
The level of detail depends on the stage of proceedings for example, during early financial disclosure or at the Financial Dispute Resolution (FDR) hearing.

These reports help to:

• Establish realistic financial expectations post-separation

• Provide the Family Court with clear evidence of your borrowing capacity

• Support fair financial settlements and negotiations

• Give both parties and solicitors a factual foundation for discussions

Every report is produced by qualified mortgage professionals with current market research and up-to-date lender criteria.

Single Mortgage FDR Capacity Report – £295

This report provides a detailed, court-ready assessment for one individual.

What’s Included:

• Maximum Borrowing: A full calculation of your maximum potential mortgage capacity using research from the whole market.

• Financial Overview: A detailed review of your income, outgoings, assets, and liabilities, including any foreseeable financial changes.

• Affordability Assessment: Analysis confirming whether a mortgage is affordable based on your verified income and expenditure.

• Scenario Analysis: Multiple financial scenarios to explore potential outcomes, helping you and your solicitor understand different options.

• Expert Insights: Transparent explanation of the methodology, based on industry expertise, recognised qualifications, and current lender data.

• Court-Focused Reporting: Produced to meet Family Court expectations, ensuring neutrality even if commissioned by one party.

No Mortgage Capacity Assessment – £175

This option is suitable for individuals whose circumstances make mortgage borrowing unlikely or impossible.

Typical situations include:

• No earnings or irregular income

• Bankruptcy

• Debt Management Plan (DMP) or Individual Voluntary Arrangement (IVA)

• Lending into retirement (where age limits restrict borrowing)

What’s Included:

• Zero Capacity Confirmation: A formal statement confirming that the individual has a £0.00 borrowing capacity.

• Lender Criteria Details: An explanation outlining why mortgage lending is not possible under current rules and market conditions.

• Limitations: No additional scenarios can be included with this assessment.

This version is designed for transparency providing clear evidence to the court and other parties that mortgage borrowing is not currently available.

Why Choose a Professional Mortgage Capacity Report

Working with an experienced, regulated mortgage professional ensures:

• Reports meet Family Court and solicitor requirements

• Findings are unbiased and evidence-based

• Calculations are built on real-time lender criteria

• Clear explanations of limitations, assumptions, and affordability

We understand the sensitivity of divorce and separation cases, and our goal is to deliver a report that stands up to professional and legal scrutiny while helping you move forward with confidence.

Need Guidance on the Right Report for You?

If you’re unsure which report you need or would like to discuss your personal circumstances in confidence, we’re here to help.