Specialists in mortgage capacity reports
A formal written assessment of mortgage capacity, prepared by CeMAP-qualified mortgage professionals. Used by family-law solicitors in negotiations and, where needed, in court.
Single report £250 · Joint report £450 · Two scenarios included · Extra scenarios £25 each · Typically within 48 hours
FCA authorised
FRN 717338
Prepared by
CeMAP-qualified advisers
Written for
Court and negotiation
Turnaround
Typically within 48 hours
Instructed by
Solicitors and individuals
The report
A mortgage capacity report is a written assessment of how much a person is likely to be able to borrow, based on their circumstances and current lender criteria. It is prepared so it can be presented in financial-remedy proceedings, used at FDR, or relied on in solicitor-led negotiation.
It is not a Decision in Principle from a single bank, and it is not a mortgage offer. It is an independent assessment of capacity — the number both sides, and a judge, actually need.
Read the full guideBuilt for family-law files. Clear methodology, a conclusion at the front, and a document you can put in a bundle without rewriting it. Instruct for one party or both. Tell us the hearing date.
You do not need a solicitor to instruct us, though many people come through one. If you are separating and need a realistic figure for keeping the home or rehousing, we can prepare the same report directly for you.
Process
01
Solicitor or individual. Single or joint. Hearing date if there is one.
02
Our data-capture form, plus payslips or tax computations and a list of commitments.
03
Current lender criteria applied to the actual income mix, age, term and debts.
04
A written assessment you can use in negotiation or put before the court. Typically within 48 hours of a complete file.
What we assess
Income in all its forms, credit, other properties, maintenance paid and received, dependents and their ages.
Guaranteed pay at 100%. Bonus and overtime on a track record. Self-employed on two years’ figures. Maintenance only where it will stand.
Property value or purchase price, equity or deposit, term, retirement age, and any extra scenarios the court wants tested.
Questions
A formal written assessment of how much a person is likely to be able to borrow on a mortgage, based on their income, credit commitments, dependents, age and the parameters of the case. It is prepared by a CeMAP-qualified mortgage professional and is suitable for use in negotiations and, if needed, in court.
Most instructions come from divorce and family-law solicitors, barristers and other legal professionals. Individuals can also instruct us directly. The report is the same either way: an independent assessment, not an argument for one side.
No. A joint instruction produces a separate assessment for each party, based on their own income, deposit and commitments. Each person’s findings stay independent, which is what the court and both solicitors need. Instructing jointly is simply the more economical way to obtain two reports.
Once we have a complete set of information, reports are typically ready within 48 hours. If there is a hearing or negotiation date, tell us when you instruct and we will work to it wherever we can. We do not start the assessment until the information we need is in.
Personal details, the parameters of the report (property value, equity or deposit, loan, term, retirement age), income evidence, credit commitments, maintenance and dependents. Employed applicants typically need their last three payslips. Self-employed applicants need the last two years’ tax computations, and limited-company directors also need two years’ accounts and their shareholding. We send a data-capture form with the instruction.
Yes. That is the point of the work. Reports are written so they can be presented in financial-remedy proceedings, FDR hearings and settlement negotiations. They set out the figures and the basis of the assessment clearly enough for a judge, the other side, and a non-specialist to follow.
Yes. Two affordability scenarios are included in the report fee. Each additional scenario is £25 — for example a different deposit, a change in maintenance, or keeping versus selling the family home. Outline what you need when you instruct.
Send a short enquiry. We will confirm the fee and return a data-capture form. Reports are typically ready within 48 hours of a complete file.
