4.97 out of 5 based on 2,400+ reviews

Mortgage Capacity Report for Divorce & Court

Often requested by solicitors, a Mortgage Capacity Report sets out your realistic borrowing power after separation, helping you and the court reach a fair financial settlement.

Rated 4.97 out of 5 from 2,400+ reviews

Person reviewing a mortgage capacity report at a desk with a calculator, financial charts and calendar

Mortgage Capacity Reports

Mortgages and Divorce

When going through a divorce or separation, one of the most significant considerations can be the family home—who will keep it, and how will they afford it?
Without the right information to hand, this difficult situation can cause rise to financial uncertainty and legal disputes. This is where a Mortgage Capacity Report plays an essential role to help alleviate these potential issues and stresses.

A Mortgage Capacity Report is often requested by solicitors on behalf of their client. Our expert mortgage consultants work to make your report meet the requirements of legal representatives, solicitors, and courts, offering you clarity and reassurance during this complex time.

STANDARD ASSESSMENTS, ONE SCENARIO

Off-the-Shelf Reports

Many mortgage capacity reports are built around a single scenario and generic assumptions. That’s fine for straightforward cases, but it can fall short where child custody, childcare costs, or changing work arrangements will affect what either party can actually afford post-divorce.

BESPOKE TO YOUR CIRCUMSTANCES

Our Mortgage Capacity Reports

We assess your full financial picture — income, debts, savings, pensions, and dependents — and can model multiple scenarios alongside your solicitor. Reports are built to satisfy legal representatives and courts, not just lender criteria.

Why private finance

Expert Advice, Whole-of-Market Access

Mortgage capacity reports can be a valuable tool, but they aren’t right for every borrower, and getting one that lenders will actually accept isn’t always straightforward. Our brokers assess your circumstances honestly, then do the heavy lifting to produce a report that accurately reflects your borrowing power and strengthens your case with the most suitable lender.

Lender relationships

With over 25 years of close private bank and specialist lender relationships, we know who to approach and how to present your case.

expertise-and-experience

Experience and Expertise

We consider your wider financial picture, partnering with wealth advisers and accountants where useful, so the advice fits both your present and future needs.

Rated 4.97 Out Of 5

An average 4.97/5 from more than 2,000 reviews. We keep the process simple, do the research and paperwork, and keep you updated throughout.

What is a Mortgage Capacity Report?

A Mortgage Capacity Report, also known as a Mortgage Capacity Assessment, is an in-depth and bespoke report about one’s individual circumstances and financials, which assesses the amount and type of mortgage you might be eligible for after divorce or separation. The report provides an assessment of your individual income, expenses, credit history, and debts.
This information can be helpful to understand how to divide assets and property and show the viability of changing from a joint mortgage into one person’s name. It is a good foundation to fairly discuss financial settlements and is often used in family court proceedings.
The report is only valid on the day the report is produced. This is due to the changing nature of the mortgage market and how this impacts your ability to afford the mortgage and the quoted interest rates. Additionally, any changes in your own circumstances and the final divorce settlement can affect the report results.
At Private Finance, our experienced mortgage consultants are here to listen and answer all your questions, providing reassurance for your Mortgage Capacity Report.

You can call us on 0800 652 0971 or email info@privatefinance.co.uk.

mortgage capacity report

Facing a Divorce or Separation?

A Mortgage Capacity Report gives you and your solicitor a clear view of what you could borrow once your circumstances change, helping you approach the financial settlement with confidence rather than uncertainty.

Our expert mortgage consultants will work to make your report acceptable to your legal representatives, solicitors, and courts.

Arrange Your Consultation

Ready to proceed or just have a question, talk it through with one of our consultants.

How does the process work?

Our mortgage consultants will guide you through the process with an initial consultation to understand your requirements and timeframes. If you are working towards a specific or short time frame, it is best to state this early on with your consultant.
They will also request certain information about you, including:
Once the assessment is complete, you will find out the specifics of your mortgage that you would qualify for, including:
*It is important to note that the report will not provide a recommendation of specific lenders or mortgage products, however it will provide an illustration of the difference between a fixed or variable rate mortgage, the monthly mortgage payments, and other likely costs associated with a mortgage.
Your consultant will advise you on a potential scenario of your situation post-divorce using varying financial splits. The report typically only includes one scenario, however you may decide with your solicitor that you require additional ones based on several variations, including but not limited to, child custody, childcare costs, or working arrangements.

Confidentiality:

The report is shared only with you unless you instruct us otherwise. If a joint report is required for both you and your ex-partner, we can provide a combined assessment.

Your home may be repossessed if you do not keep up repayments on your mortgage

Why Choose Private Finance to Secure your Mortgage

Why Choose Private Finance
to Secure your Mortgage

Independent. Experienced. Connected.

Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.

Trusted by over 2,400 happy clients

Frequently Asked Questions

Only the individual who initially requests the Mortgage Capacity Report will receive the results. It will then be up to you how this is used and shared with.
A Mortgage Capacity Report, also known as a Mortgage Capacity Assessment, is an in-depth report about one’s individual circumstances and financials, which assesses the amount and type of mortgage you might be eligible for after divorce or separation. The report provides a clear and objective assessment of your income, expenses, credit history, and debts.

Bespoke Mortgage Requirements?

Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.

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