
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.
Alternatively, please fill out the form below and one of our team will be in touch.
Please note that the internet is not a secure medium and the privacy of your data cannot be guaranteed.
Mortgage Capacity Reports are not part of the Openwork offering and are offered in our own right.
Openwork Limited accepts no responsibility for this aspect of our business.
Mortgage Capacity Assessment Reports are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.