Mortgage Capacity Report

Professional Mortgage Capacity Assessments

If you’ve been asked to provide a Mortgage Capacity Report as part of a divorce or separation settlement, you’re not alone. It’s now increasingly common for solicitors, mediators, or the court to request a formal report outlining each party’s mortgage borrowing capacity.

A Mortgage Capacity Report helps establish a fair and accurate picture of what each individual can realistically borrow. This information plays a key role in reaching balanced financial settlements and supporting future housing decisions.

At Impact, our qualified, whole-of-market mortgage advisers prepare detailed Mortgage Capacity Reports tailored to your specific circumstances, ensuring clarity, accuracy, and peace of mind.

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Types of Capacity Reports

• Single Mortgage Capacity Report – prepared for one individual
• Joint Mortgage Capacity Report – prepared for both parties together

Each report includes a clear summary of affordability calculations and maximum borrowing potential, assessed by one of our experienced advisers using whole-of-market lender data and current product criteria.

What’s Included in Your Report

Your dedicated adviser will carry out a comprehensive review of your financial situation, taking into account:

• Income, outgoings, and debts
• Employment status or self-employed earnings
• Credit profile and existing commitments
• Assets and liabilities
• Any expected changes in financial circumstances post-divorce

Following this review, we’ll provide:

• A borrowing figure based on your current position
• Example mortgage products and lender options available across the market
• Scenario illustrations showing how your borrowing could change if rates, income, or commitments vary in the future

This ensures the report gives a realistic, defensible overview of mortgage affordability for negotiations or court proceedings. The cost of a Mortgage Capacity Report is £499.

What to Expect During the Assessment

The mortgage capacity assessment process is designed to be thorough yet straightforward. You’ll be asked to provide supporting documentation such as:

• Recent payslips, tax returns, and bank statements
• Details of any loans, credit cards, or other liabilities such as dependants
• Mortgage statements and property information
• Investment and savings details
• Evidence of any other income sources (rental, pension, maintenance, etc.)

Once the necessary information is gathered, your adviser will analyse your situation in detail and compile your report, which will clearly outline:

• Your financial standing and borrowing potential
• Any constraints or considerations for future borrowing
• A transparent summary suitable for submission to solicitors, mediators, or the court

Benefits of a Mortgage Capacity Report

A professional mortgage capacity report offers several advantages

• Clarity and confidence – Understand exactly what’s affordable based on your financial position.
• Clear and objective – Reports prepared by fully qualified mortgage advisers.
• Supports fair outcomes – Helps solicitors, mediators, and the court reach balanced financial settlements.
• Saves time and uncertainty – Avoids unrealistic assumptions and costly mistakes in post-divorce planning.

Why Choose Impact Specialist Finance?

• Fully qualified, whole-of-market mortgage advisers
• Access to a comprehensive range of lenders
• Supportive, confidential, and professional service throughout

Whether you need an individual or joint report, we’ll guide you through each step and ensure your assessment is completed with precision and care.