Independent mortgage capacity reports — clarity when it matters most
Going through a divorce is difficult enough. Understanding what you can afford shouldn't add to the stress. Our mortgage capacity reports give you — and your solicitor — the clear, court-ready evidence needed to move forward with confidence.
FCA authorised & regulated | Trusted by solicitors across England & Wales
What is a mortgage capacity report?
A mortgage capacity report is an independent, expert assessment of how much someone can borrow for a mortgage — based on their specific financial circumstances. Across England and Wales, it's most commonly used during divorce and financial settlement proceedings to establish a realistic picture of future housing affordability.
Unlike a simple mortgage agreement in principle, our reports are detailed, evidence-based documents prepared by FCA-authorised mortgage advisers. They're designed to withstand scrutiny in court — whether used for negotiations, FDR hearings, or final hearings.
How to get a mortgage capacity report
From your first enquiry to receiving your report — here's what to expect.
Get in Touch
Contact us by phone or through our enquiry form. We'll have a brief, no-obligation conversation about your situation.
Share Your Details
We'll gather the financial information needed — income, outgoings, existing commitments — handled sensitively and securely.
We Prepare Your Report
Our qualified mortgage advisers analyse lender criteria against your circumstances and compile a comprehensive, court-ready report.
Receive Your Report
Your completed mortgage capacity report is delivered to you and your solicitor — ready for negotiations or court proceedings.
Types of mortgage capacity report
Every case is different. We offer several types of mortgage capacity report, each designed for specific circumstances and legal requirements.
Divorce & Separation
The most common type. Establishes what each party can afford to borrow independently, supporting fair financial settlement.
Learn more →FDR & Court-Ready
Prepared to the standard required for Financial Dispute Resolution hearings and final court hearings. Detailed, evidence-based, and robust.
Learn more →Single Joint Expert
Appointed by the court as an independent expert to assess mortgage capacity for both parties — impartial, thorough, and accepted by all sides.
Learn more →Why choose The Mortgage Capacity Report Co?
FCA Authorised & Regulated
Fully regulated by the Financial Conduct Authority, giving you and your solicitor confidence in the quality and compliance of our work.
Fast Turnaround
We understand that legal proceedings run to deadlines. Reports are typically delivered within 48 hours of receiving your information.
Sensitive & Supportive
We know this is a stressful time. Our process is straightforward, our communication is clear, and we treat every client with care and respect.
Trusted by solicitors and individuals
"After trying several other firms all without success, it was a fantastic relief to speak with Darren who provided a detailed and prompt report in such a timely manner. I was truly delighted. Cannot recommend your company and services enough."
— Sharon Parr
Client
"Darren and team helped me with a mortgage capacity report. They were fast, efficient, and the document provided will be acceptable by the courts. A huge thank you for being so helpful and efficient."
— Client
Verified Review
"5 stars doesn't do Darren justice! He made the entire process simple, quick and stress-free. Fantastic communication, empathetic and generous with both his time and fee. I am so grateful to have one less thing to stress about. Highly recommended."
— Client
Verified Review
How can we help you?
For Individuals
Going through a divorce or separation and need to understand what you can afford? We'll provide a clear, independent mortgage capacity report.
Book a Free CallFor Solicitors
Need a reliable, court-ready mortgage capacity report for your client's case? We work with family law firms across England & Wales.
Solicitor InformationFrequently asked questions
How much does a mortgage capacity report cost?
The cost depends on the complexity of your case and the type of report required. We offer transparent pricing with no hidden fees. Contact us for a no-obligation quote tailored to your circumstances.
How long does it take to get a mortgage capacity report?
Reports are typically delivered within 48 hours of receiving all necessary financial information. We understand that court deadlines are often tight, and we can accommodate urgent requests where possible.
Do I need a mortgage capacity report for my divorce?
If your divorce involves property or mortgage decisions, a mortgage capacity report provides independent evidence of what each party can afford. Solicitors frequently recommend them for financial settlements, FDR hearings, and final hearings to ensure fair outcomes.
Will my report be accepted by the court?
Yes. Our reports are prepared by FCA-authorised mortgage advisers to a standard that is accepted in court proceedings, including FDR hearings and final hearings across England and Wales.
Can my solicitor instruct you directly?
Absolutely. We work with family law solicitors across England and Wales. Your solicitor can instruct us directly on your behalf, and we'll liaise with them throughout the process to ensure everything runs smoothly.
Ready to take the next step?
Whether you're an individual going through divorce or a solicitor supporting a client, we're here to help. Book a free, no-obligation call to discuss your mortgage capacity report.