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
Why you should use us
If you don't think you can get a mortgage
Questions about pensions & investments
Our reports are recognised as credible by court and solicitors
Concise and easy to understand reports with no jargon
Reports are based around your own likely financial outcomes
Helps your solicitor in getting you the right financial settlement
A report based on just you, or the other party's circumstances
A joint report based on both parties' circumtances
Confirmation that you are unable to get a mortgage and the reasons why
A single report showing how much either you or your ex-partner can borrow, and the likely monthly cost
If both parties are in agreement, a joint report can be produced, which is priced at a discount to 2 separate reports
Even if you can't get a mortgage, the court still needs proof from an expert. Our 'no' mortgage capacity report confirms it
A report with different financial outcomes can be a useful negotiating tool to help you get the right settlement
You can expect to receive your tailored report within 5-7 working days, or within 3 days for a small extra charge
Your report will be compiled by an FCA authorised independent mortgage industry expert with over 25 years' experience
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.
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Monday - Friday: 9am - 5.30pm
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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