The mortgage capacity report is a detailed investigation into the level of mortgage a person is likely to be successful in obtaining. It will compare the level of maximum borrowing with the amount of mortgage the individual can actually afford to maintain. The assessment is more reliable than a visit to your bank or by using one of the many online mortgage capacity calculators available.

The assessment is often required during divorce proceedings when proof of mortgage borrowing is required. Your mortgage capacity assessment needs to be credible, realistic and accurate and will help you in a number of ways:

  • It can be used by the Court to help the Judge make a decision on finances.
  • It can be used by the other party (ex-partner and/or their solicitors).
  • From the Legal Representatives perspective it can be considered "Best Practice" in the way mortgage capacity is demonstrated.
  • Each mortgage capacity assessment is different to reflect the client's/individuals specific circumstances.
  • It helps you/your client make accurate financial plans for the future.
  • Settles disputes between divorcing parties.


Our standard mortgage capacity assessment is £345.00 and in most cases this is all that you will require.

If you need to look at different scenarios, for example, you may need to know capacity to mortgage based on current financial circumstances as well as post divorce when maintenance may be payable or debt may be accrued, you will need to buy additional scenarios at £50.00 each.

If the court date is imminent and the report is needed urgently then our Express Service can be purchased for an additional £75.00.

Please see our Mortgage Capacity Website here for more information or Call us today and speak to our expert, Natasha Palmer, to discuss your cases today.