Here at Mortgage Capacity Reports, we provide you with a bespoke report as required by your solicitor or barrister, which will state the level of mortgage you are likely to be able to obtain once your divorce or separation has been finalised, along with the likely monthly cost. It also helps them negotiate the right settlement for you, adding weight to your demands of the available financial pot to be split.
Why you need a mortgage capacity report
- Both parties have a housing need to be met, so in a financial dispute you'll each have to provide this report to help decide the outcome. Your report can even be tailored to take into account various possible outcomes, helping to ensure you get a fair settlement.
Why you should use us
- For many family law solicitors we are their go-to provider, as our reports are clear and concise, and deemed credible by the courts. Reports are completed by a practicing, highly experienced and qualified independent mortgage broker, authorised by the Financial Conduct Authority (FCA).
If you don't think you can get a mortgage
- Even if you can't get a mortgage, the other party will still require a report from you to confirm it. This will include our assessment of your circumstances, and state the reasons why you cannot get a mortgage.
Questions about pensions & investments
- We'll only ask for information relevant to a mortgage. Unless you're actually receiving a pension or an income from investments, you won't have to disclose them.
About OUR REPORTS
Credible
Illustrative
Illustrative
Our reports are recognised as credible by court and solicitors
Illustrative
Illustrative
Illustrative
Concise and easy to understand reports with no jargon
Individual
Illustrative
Individual
Reports are based around your own likely financial outcomes
Beneficial
Illustrative
Individual
Helps your solicitor in getting you the right financial settlement
PRICING:
Single Mortgage Capacity Report
£225
A report based on just you, or the other party's circumstances
Joint Mortgage Capacity Report
£395
A joint report based on both parties' circumtances
No-Mortgage Capacity Report
£95
Confirmation that you are unable to get a mortgage and the reasons why
Reviews
Helping you get the right settlement
SINGLE REPORT
NO-MORTGAGE REPORT
SINGLE REPORT
A single report showing how much either you or your ex-partner can borrow, and the likely monthly cost
JOINT REPORT
NO-MORTGAGE REPORT
SINGLE REPORT
If both parties are in agreement, a joint report can be produced, which is priced at a discount to 2 separate reports
NO-MORTGAGE REPORT
NO-MORTGAGE REPORT
DIFFERENT SCENARIOS
Even if you can't get a mortgage, the court still needs proof from an expert. Our 'no' mortgage capacity report confirms it
DIFFERENT SCENARIOS
FCA REGULATED ADVISER
DIFFERENT SCENARIOS
A report with different financial outcomes can be a useful negotiating tool to help you get the right settlement
FCA REGULATED ADVISER
FCA REGULATED ADVISER
FCA REGULATED ADVISER
Your report will be compiled by an FCA authorised independent mortgage industry expert with over 25 years' experience
FAQ's
As well as stating the amount you can likely afford to borrow and the monthly cost, the report will also declare the relevant details and circumstances that we have been provided with about you, in order to make that assessment.
This is where different settlement options are being considered. For example, you may / may not be looking to pay / receive spousal maintenance in return for a smaller / larger slice of the former marital home - either of which could effect your level of borrowing. The report can show multiple results, with each result shown being relevant to a potential outcome.
You automatically get the option for a few different scenarios within the standard report price. An additional charge may be made where the solicitor has requested the need for many scenarios.
Every mortgage lender has different criteria, so mortgage capacity reports have to be completed by a competent and credible person. We have the relevant qualifications, experience, skills and credibility that you need for solicitors and courts to accept the document.
A list of the likely information you'll have to provide can be found on the page of the report you want to order. (Go to 'Get your report' to select your report) Full details will also be listed within your order confirmation email.
Yes. Your solicitor can instruct us and provide the relevant information on your behalf.
See the solicitors page for more details.
Contact Us
Hours
Monday - Friday: 9am - 5.30pm
Saturday: Closed
Sunday: Closed
Copyright © 2022 Mortgage Capacity Reports - All Rights Reserved
Mortgage Capacity Reports is a trading name of Monster Insurance Services Ltd
Monster Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA). FCA number 730780
Registered in England and Wales at: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ
Registered in England No. 09864526
THE PRODUCTION OF MORTGAGE CAPACITY REPORTS ARE NOT REGULATED BY THE FCA