Mortgage Capacity Reports
Navigating a separation is challenging, but understanding your housing options doesn't have to be. We provide clear, professional reports that outline exactly what you can afford, helping you and your legal team move forward with confidence.
Straightforward, plain English summaries
Reliable data from real lenders
Designed to support mediation and court proceedings
What Your Mortgage Capacity Report Includes
Every report is tailored to the people involved, but typically includes a comprehensive analysis of your financial standing and future borrowing potential.
Borrowing Capacity Summary
A detailed summary of each person's likely borrowing capacity based on their unique circumstances.
Income & Commitments
An overview of income, outgoings, and existing credit commitments for a clear financial picture.
Repayment Estimates
Example mortgage amounts and estimated monthly repayments to help plan your future housing costs.
Lender Criteria Checks
Rigorous affordability checks based on current lender criteria.
Stress-Testing Sustainability
Sustainability testing at higher interest rates to show what remains affordable long-term.
Professional Conclusion
A plain-English conclusion designed to support negotiations, mediation, or court proceedings.
Report Costs & Fees
Standard Mortgage Capacity Report
£195
Updated Report (within 6 months)
£99
Additional Financial Scenario
£75
Complex Cases
Fee agreed in advance
We maintain a transparent pricing structure based on the complexity of your specific requirements. Our fixed-fee reports ensure you know exactly what you'll pay upfront, with no hidden costs or surprise adjustments.
This service is not regulated by the Financial Conduct Authority and does not include a personal recommendation for any mortgage or product.
How We Support Modern Families
Clarity is key during change. Our reports offer a factual basis for fair housing decisions, giving you a clear path forward.
Fact-Based Fairness
Shared, transparent data helps keep your financial conversations objective and balanced.
Clarity Over Conflict
Solid facts reduce stress, replacing uncertainty with a constructive way to move ahead.
Court & Mediation Ready
Formatted so it's ready to go straight into your legal team's file, for medication and court proceedings.
Empathy Through Experience
Having navigated separation personally, we combine professional expertise with genuine understanding to guide you through.
Our Simple Four-Step Process
01
Get in Touch
Reach out via our form to briefly explain your situation and specific reporting needs.
02
Provide Details
We provide a clear checklist of the financial documents required for each party.
03
Expert Analysis
Your data is cross-referenced with live lending criteria to build a realistic report.
04
Report Delivery
Receive your final PDF report with the option to discuss our findings in a supportive call.
Get Started with Your Report
Simply provide a few details and we will offer clear guidance on costs and timelines. We work directly with individuals, solicitors, and mediators to support your journey.
Briefly describe your circumstances and let us know if you have any key dates, such as upcoming mediation or court sessions.
Your privacy is our priority. All details are kept strictly confidential, and we will contact you shortly to help.