Mortgage Capacity Reports


In the midst of a divorce, financial matters often become paramount, especially when it comes to jointly-owned assets like property. One crucial aspect of divorce proceedings in the UK involves determining each party's ability to afford mortgage payments independently post-divorce. This is where Mortgage Capacity Reports play a pivotal role.

What is a Mortgage Capacity Report?

A Mortgage Capacity Report is a detailed assessment carried out by financial experts to evaluate an individual's ability to secure a mortgage. It provides insight into whether an individual can afford mortgage repayments based on their financial circumstances, including income, expenses, debts, and credit history.

Why are Mortgage Capacity Reports Necessary in Divorce Proceedings?

  1. Property Division: In many divorce cases, marital property, including the family home, must be divided equitably between both parties. To facilitate this process, understanding each party's ability to take over the mortgage is crucial.
  2. Financial Independence: Following a divorce, individuals often need to establish financial independence. Being able to secure a mortgage independently can empower individuals to move forward with their lives and housing arrangements.
  3. Legal Requirements: In the UK, divorcing couples are required to provide full financial disclosure. Mortgage Capacity Reports offer a comprehensive overview of an individual's financial standing, aiding in fulfilling legal obligations during divorce proceedings.
  4. Negotiation and Settlement: Having clarity on mortgage capacity enables more informed negotiations and settlements. It helps in determining fair and realistic financial arrangements post-divorce, ensuring both parties can maintain suitable housing arrangements.
  5. Court Proceedings: In cases where disputes over property arise and court intervention is necessary, Mortgage Capacity Reports serve as valuable evidence to support arguments regarding property division and financial capability.

How Mortgage Capacity Reports are Prepared

Mortgage Capacity Reports are typically prepared by financial advisors or mortgage brokers with expertise in divorce-related financial matters. The process involves:

  •   Gathering financial information from the individual, including income, assets, debts, and expenses.
  •   Analysing credit reports and credit history.
  •   Assessing affordability based on mortgage lenders' criteria and prevailing market conditions.
  •   Providing a comprehensive report detailing the individual's mortgage capacity and any associated recommendations or considerations.


Our mortgage capacity reports are very thorough and detailed to ensure they assist with the legal process as smoothly as possible to achieve the right outcome for those involved. The costs for our reports are: -
Single report (Prepared for one party including up to 3 different scenarios) - £199
Joint report (Prepared for 2 parties including up to 3 different scenarios) - £349
No capacity report (This report confirms that the party has no capacity for mortgage borrowing due to limited/no income or other circumstances) - £99


In the complex landscape of divorce proceedings in the UK, Mortgage Capacity Reports play a crucial role in facilitating fair and equitable property division. By providing insights into each party's ability to secure a mortgage independently, these reports contribute to informed decision-making, negotiation, and settlement, ultimately helping divorcing individuals navigate their financial futures with clarity and confidence.

All of our mortgage capacity reports are produced by qualified and experienced mortgage consultants and comply with all necessary compliance required for the legal process

For expert guidance and assistance with Mortgage Capacity Reports tailored to your specific circumstances, consult with our experienced financial professionals today.

Disclaimer: The information provided on this website page is for informational purposes only and should not be construed as legal or financial advice. It is recommended to seek professional assistance from qualified advisors regarding your specific situation

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