Mortgage Capacity Report
Independent 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 and fully independent mortgage advisers prepare detailed Mortgage Capacity Reports tailored to your specific circumstances, ensuring clarity, accuracy, and peace of mind.
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 full-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 offers a realistic and defensible overview of mortgage affordability for use in negotiations or court proceedings.
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.
- Independent and unbiased – Reports prepared by fully qualified, independent 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, independent 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.
Get in Touch
If you’ve been asked to provide a Mortgage Capacity Report or would like to understand your borrowing potential following a separation, our experienced team can help.
Call us on 01403 272625 or send us a message via our Contact Page
Halfway through the application, we discovered my property is steel-framed – a detail that threw an unexpected wrench into things, requiring a full structural engineer’s report. Most brokers might have bailed or passed the buck, but not Impact. Kevin and Kelly stepped up like true professionals.
They kept me updated every step of the way, explained complex jargon in plain English, and chased down every loose end to ensure we crossed the finish line.
Their expertise in specialist finance shone through – they knew exactly how to navigate the hurdles and advocate for me. The result? A smooth re-mortgage at competitive rates.
If you’re looking for a broker who genuinely cares, Impact Specialist Finance is your go-to. Kevin and Kelly, you’re absolute stars – thank you for turning a potential nightmare into a win!
Rating: 5/5
Thanks to Kelly for getting me the perfect deal and to Kevin for helping to clear an issue the lender had made, very pleased to continue to work with impact for my mortgage
Kelly was our first point of contact, and her dedication to getting our mortgage application underway was truly unmatched. She took the time to understand our needs and made the entire process feel seamless. Kevin and Catherine then guided us through to completion, keeping us informed every step of the way. Their expertise and clear communication made what can be a stressful process feel effortless.
We are incredibly grateful for their hard work and would highly recommend Impact to anyone looking for mortgage advice. Thank you, Kelly, Kevin, and Catherine, for making this journey so smooth!
Thanks Sue
Sammy Haart
I would highly recommend them to anyone who is seeking friendly and helpful advice.
They are professional, friendly, quick to respond, always ready to assist, and go above and beyond for their customers.
The team we were dealing with at Impact (Jill and Catherine) along with Dale and everyone else involved have simply made the impossible a reality. The process of buying our home took nearly a year with setbacks from the developer but the team at Impact not only negotiated an amazing offer with a lender but also kept the deal alive! So grateful to everyone at Impact SF!!! Highly recommend!
Overall, Impact were great and I cannot fault them on anything. They got us a very good deal and I can’t imagine it was the most straightforward of applications, so we are very grateful that they took us on and got us to the end!
Would definitely recommend.
Thank you again
Opening Times
Monday to Friday: 9:00 - 17:30
Saturday: Closed
Sunday: Closed
Contact Details
impact HO, 20 Barttelot Road,
Horsham, West Sussex RH12 1DQ
Phone: 01403 272625
Email: info@impactsf.co.uk