joint mortgage capacity report - £395
No upfront fee is required, as you will be invoiced when you receive your report.
To order your report, simply email us at:
hello@mortgagecapacityreports.uk
We will then confirm what information you'll need to provide us with, which will likely include the following:
Your age
- Month and year of birth
Dependents
- Number of children and their ages
- Number of any dependent adults that will live with you
Income
- Employed - Basic salary, plus any car allowance / bonus / commission / overtime
- Self-employed - Last 3 years net profits
- Company director - Last 3 years salary & dividends, as well as company net profits AFTER corporation tax
Other income as applicable
- Child benefit payments
- Any other state benefits or allowances (tax credits / universal credits etc)
- Current or expected child maintenance
- Current or expected spousal maintenance
- Pension income (if already being received)
- Rental income from buy-to-let properties: last 2 years net profits
Commitments you'll remain liable for after the settlement (amount outstanding / cost per month)
- Pension contributions deducted from payslips
- Other mortgages
- Credit cards
- Loans / HP / car lease
Any other commitments you'll remain liable for after the settlement
- School fees
- Child care costs
- Child maintenance
- Spousal maintenance
Deposit
- The estimated amount of funds you'll have for a house deposit
Credit history
- Details of any credit problems in the last 6 years, i.e. CCJ's, defaults, missed payments
- Details of any bankruptcy or house repossession
- IVA / Debt management plan (total debt outstanding and cost per month)
PLEASE NOTE:
- When compiling the report our duty is to the court - to be independent and impartial
- Information provided in the report will be based upon lending criteria at that time
- The report will state the information that the assessment was based on