Mortgage Capacity Reports

Helping you achieve a fair divorce settlement

Evidence your Mortgage Raising Capacity

During a divorce, you may be asked to evidence your mortgage raising capacity to support decisions around how finances will be split fairly. What you’ll need is a Mortgage Capacity Report. This is a formal document showing how much you are realistically able to borrow, based on your income, financial commitments, and current lending criteria.

Our Mortgage Capacity Reports are:

  • Prepared by an independent and qualified adviser

  • Clear and easy to understand 

  • Suitable for court

Business professionals discussing documents on a desk, with a gavel, laptop, and calculator in an office setting.

How to instruct us

If you need a Mortgage Capacity Report, the process is simple:

  1. Consider the type of report you require from the options below

  2. Download, complete, and send a Data Request Form to info@themoneypartnership.com 

  3. Pay for the report online (for clients) or request an invoice (for solicitors)

  4. A mortgage capacity assessment is carried out by one of our advisers

  5. Findings of the assessment are presented clearly in a court-ready report and sent to you within 3 working days*

    *If you need a report urgently, please call our office on 01633 987070 before ordering one online to ensure we can accommodate your request.

individual reports

Standard Report Standard Report Standard Report
Standard Report
from £249.00

Demonstrating maximum mortgage borrowing based on their current circumstances.

Comparison Report Comparison Report Comparison Report
Comparison Report
from £299.00

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.

Multiple Scenario Report Multiple Scenario Report Multiple Scenario Report
Multiple Scenario Report
from £349.00

Demonstrating maximum mortgage borrowing based on current circumstances compared to multiple other scenarios. For example, varying maintenance payments or varying deposit amounts.

Amendment Fee Amendment Fee Amendment Fee
Amendment Fee
from £99.00

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

Standard Joint Report Standard Joint Report Standard Joint Report
Standard Joint Report
from £250.00

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.

Speak to an adviser

Quick answers

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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)

  • 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.

Client and solicitor feedback

testimonials

“Fantastic service. We used the Money Partnership to obtain a mortgage capacity report, and they were quick, highly professional and did a great job. I would highly recommend them to anyone. We will use them again in the future I am sure.”

Maguire Family Law

“The Money Partnership have been a pleasure to work with. The team are exceptionally helpful, professional and swift to respond. Particular mention must be given to Dave and Alice. Our clients and our practice have been impressed with the service they provide and will certainly continue to use and recommend them to anyone looking for mortgage estimates throughout the UK.”

Stowe Family Law

“Excellent service and quick turnaround. We found the Money Partnership to be both detailed, and clear. We will be recommending this service in the future.”

Moore Barlow

“The Money Partnership team were a terrific help, writing up a mortgage report within 24 hours. A quick and highly efficient business which we would highly recommend.”

Donald

“A big thank you to Caroline & Rhiannon for all your help & a very quick turnaround for a report - highly recommend.”

Katie

“As a family solicitor at Major Family Law, I often refer people to mortgage advisers such as The Money Partnership to obtain details about their borrowing capacity.

If you didn’t know already, your mortgage capacity is a resource that can be taken into account in divorce proceedings. Details of the maximum amount you can borrow is often a requirement for solicitors and Judges to better understand your ability to retain the family home should you choose or how much of a deposit you might need to rehouse yourself. ”

Sahil Aggarwal, Major Family Law

“Excellent service and quick turnaround. We found the Money Partnership to be both detailed, and clear. We will be recommending this service in the future.”

Rhian Jones, Alun Jones Family Law

“Fantastic service. We used the Money Partnership to obtain a mortgage capacity report, and they were quick, highly professional and did a great job. I would highly recommend them to anyone. We will use them again in the future I am sure.”

Robert Webster, Maguire Family Law

“The Money Partnership have been a pleasure to work with. The team are exceptionally helpful, professional and swift to respond. Particular mention must be given to Dave and Alice. Our clients and our practice have been impressed with the service they provide and will certainly continue to use and recommend them to anyone looking for mortgage estimates throughout the UK.”

Jennifer Hudec, Stowe Family Law

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.