joint mortgage capacity report - £395

---

To order your report, simply email us at:

hello@mortgagecapacityreports.uk 

We'll let you know what information you'll need to provide, and how soon you can expect to receive your report. Alternatively, get your solicitor to instruct us.

 Age

• Month and year of birth

Dependents

• Number of children and their ages (even if they won't live with you)
• 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

• 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 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)

• Other mortgages
• Credit cards
• Loans / HP / car lease

Any other commitments you'll remain liable for after the settlement

• School fees - how much and for how long
• Child maintenance - how much and for how long  
• Spousal maintenance - how much and for how long 

Deposit 

• Estimated amount of deposit after the settlement

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

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