Mortgage Capacity Reports
Helping you achieve a fair divorce settlement
Evidence your Mortgage Raising Capacity
During a divorce or financial settlement, you may be required to evidence your mortgage borrowing capacity to help inform a fair division of assets. A Mortgage Capacity Report provides this evidence in a clear, formal document setting out how much you are realistically able to borrow based on an assessment of your income, financial commitments, credit profile, and current lending criteria.
Our Mortgage Capacity Reports are designed to be straightforward, reliable, and suitable for use in legal proceedings.
They are:
Prepared by an independent, qualified mortgage adviser
Clear, concise, and easy to understand
Suitable for court and legal purposes
How to instruct us
If you need a Mortgage Capacity Report, the process is simple:
Consider the type of report you require from the options below
Download, complete, and send a Data Request Form to info@themoneypartnership.com
Pay for the report online (for clients) or request an invoice (for solicitors)
A mortgage capacity assessment is carried out by one of our advisers
Findings of the assessment are presented clearly in a court-ready report and sent to you within 5 working days*
individual reports
Demonstrating maximum mortgage borrowing based on their current circumstances.
Demonstrating maximum mortgage borrowing based on current circumstances compared to one other scenario. For example, showing borrowing with and without debt or with and without maintenance payments.
Demonstrating maximum mortgage borrowing based on current circumstances compared to multiple other scenarios. For example, varying maintenance payments or varying deposit amounts.
Should the report need amending, either to add a new scenario or reassess mortgage borrowing due to a change in circumstances, within 6 months of us preparing your report.
Solicitors we collaborate with…
joint report
The fee for a Standard Joint Report is £500 (£250 per party). Each party can pay separately by clicking below. This report will demonstrate the maximum borrowing each party can secure. Please note that if you need a report demonstrating how different scenarios affect mortgage capacity, please contact info@themoneypartnership.com, clarifying your instruction so that we can determine a fee for the additional work.
Quick answers
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It is an assessment of how much you may be able to borrow on a mortgage, based on your income, financial commitments, credit, and current lender criteria. A report presents this information in a formal, written format.
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Mortgage capacity reports are often required in divorce proceedings to provide independent evidence of a person’s borrowing capacity. This evidence can help to support decisions around how finances will be split fairly.
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No. A mortgage capacity report is not a mortgage offer or approval. It is an evidence-based assessment using current lender criteria, but final lending decisions are always subject to a full mortgage application, underwriting, and lender approval.
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The assessment is based on the information you provide and current lender criteria. While no assessment can guarantee a mortgage offer, the figures are designed to be realistic and achievable under normal lending conditions.
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We require details of income, employment status, financial commitments, and credit history (a full search will not be carried out). This information should be provided in our Data Request Form [download], which covers everything we need to assess mortgage capacity.
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Once we receive the completed Data Request Form and payment, reports are usually completed within 3 working days. Though we can offer a 24-hour turnaround, if necessary (additional fee of £50)
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If you have any questions about the findings, we will always make ourselves available to chat through things. We are also here to help you make any new mortgage arrangements further down the line.
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A Mortgage Capacity Report can be prepared by an independent mortgage adviser. However, not all advisers offer reports that are suitable for court purposes. It is important to instruct a whole-of-market, independent mortgage adviser who provides this specific service, rather than a lender or restricted adviser, to ensure a comprehensive assessment of borrowing capacity across the wider market and an accurate view of maximum affordability.
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To prepare a Mortgage Capacity Report, we require a completed data request form setting out details of your personal circumstances, income, financial commitments, and credit history, which will be used to assess mortgage capacity. The report will confirm that the information provided has been verified as accurate by the instructing party, whether that is you or your solicitor.
In some cases, we may also request additional supporting documentation, such as SA302s for self-employed applicants, to verify income and ensure the assessment is as accurate as possible.
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Your mortgage borrowing capacity is determined by assessing your income, financial commitments and credit history. This information is then used to calculate how much you may be able to borrow, based on a comprehensive review of the whole mortgage market.
Client and solicitor feedback
A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.