What is a Mortgage Capacity Report?
A mortgage capacity assessment is a report detailing the amount and type of mortgage you are likely to get after a divorce or separation. Our bespoke, comprehensive mortgage capacity assessment report is £250 and is usually produced within 48-hours. Many clients use the mortgage capacity report as a starting point for discussions about financial settlements including as part of DIY divorce kits and in family court proceedings.
What capacity reports can we provide?
We offer a selection of capacity reports that will fit your circumstance. Select either of the options below to find out more.
Single Mortgage Capacity Assessment Report
If you require a single mortgage capacity assessment for 1 person, we can provide a report which will not only be accepted by solicitors and the courts but will also give you peace of mind. It is a personal and bespoke report based on your circumstances and the nature of your financial separation. This is completely dependent on your own personal circumstances and the complexity of your separation.
Your detailed mortgage capacity report will include one scenario as standard, and after that you and your solicitor may decide that you would like additional scenarios based on different elements within the divorce or separation proceedings
We charge a flat fee of £250 for a bespoke, comprehensive Mortgage Capacity Report which includes our adviser fee for arranging a mortgage for you, if required.
If you require several different scenarios (as specified by the court), we charge an additional £50 per scenario.
We will try to produce your report within 48-hours, but if you need it urgently, in some cases we can produce the report in the same day.
Joint Mortgage Capacity Assessment Report
If you require a joint mortgage capacity assessment for how much 2 people can borrow, we can provide a report which will not only be accepted by solicitors and the courts but will also give you peace of mind. It is a personal and bespoke report based on your circumstances and the nature of your financial separation. This is completely dependent on your own personal circumstances and the complexity of your separation.
Your detailed mortgage capacity report will include one scenario as standard, and after that you and your solicitor may decide that you would like additional scenarios based on different elements within the divorce or separation proceedings
We charge a flat fee of £250 for a bespoke, comprehensive Mortgage Capacity Report which includes our adviser fee for arranging a mortgage for you, if required.
If you require several different scenarios (as specified by the court), we charge an additional £50 per scenario.
We will try to produce your report within 48-hours, but if you need it urgently, in some cases we can produce the report in the same day.
No Mortgage Capacity Assessment Report
If you require an assessment to confirm an individual’s inability to secure a mortgage, we can provide a report which will not only be accepted by solicitors and the courts but will also give you peace of mind. It is a personal and bespoke report based on your circumstances and the nature of your financial separation. This is completely dependent on your own personal circumstances and the complexity of your separation.
Your detailed mortgage capacity report will include one scenario as standard, and after that you and your solicitor may decide that you would like additional scenarios based on different elements within the divorce or separation proceedings
We charge a flat fee of £250 for a bespoke, comprehensive Mortgage Capacity Report which includes our adviser fee for arranging a mortgage for you, if required.
If you require several different scenarios (as specified by the court), we charge an additional £50 per scenario.
We will try to produce your report within 48-hours, but if you need it urgently, in some cases we can produce the report in the same day.
If you need help choosing the report you need, please fill out the form below and one of our team will be in touch.
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Testimonial
“The mortgage capacity reports produced by Luke at Money & Mortgages were vital to our mediation. Both parties borrowing capacity is at the centre of any financial agreement following divorce and having accurate figures is essential to reach a fair settlement. Having a professionally produced, unbiased report for both parties meant that our negotiations were based on actual borrowing ability rather than speculation by one or both parties. It removed the potential for mis-representation of finances by either party and ultimately let to a swifter agreement, thank-you!”