Mortgage Capacity Reports |   From £129.99

Welcome to Bright Future Mortgage Advisors

Located in Chelmsford, Essex, and led by Oliver Reece, we are a leading supplier of Mortgage Capacity Reports in the UK. We specialise in assisting with all your mortgage capacity report needs and offer a variety of reports starting from just £129.99 per person.

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Directly Authorised FCA Staff

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12 Hour Turnaround

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Comprehensive Report

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Saves £100's compared to our competitors

A Mortgage Capacity Report is a comprehensive analysis that helps you understand the level of mortgage you are likely to obtain. It compares your maximum borrowing potential with the amount of mortgage you can realistically afford to maintain. According to the Office for National statistics, there were 80,057 divorces granted in England and Wales in 2022. Each divorce usually requires a financial settlements and sometimes, a solicitor will require their clients to obtain one.

Video: Meet Your Mortgage Capacity Report Advisor

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Our Mortgage Capacity Report Process

Step 1: Complete our Mortgage Capacity Report Enquiry form

Step 2: 15-minute Mortgage Capacity Fact Find Call

We'll contact you as soon as we can to book in a Fact-find call. This is where we'll discuss your circumstance and we can download your data directly onto our system without the need for a credit report.

Step 3: Receive your Mortgage Capacity Report

We'll conduct our research and send you your report via email.

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Mortgage Capacity Report Blog

Mortgage Capacity Snapshot: A Confident Step Toward a Fresh Start

By Oliver Ben+Reece • November 10, 2025
This week’s case focuses on a client who is currently navigating a divorce and exploring her mortgage options as she plans for a fresh start. It’s a situation many people find themselves in — balancing the emotional and practical sides of separation while wanting to secure a stable home for the future. Despite the challenges that often come with change, this client’s financial foundation is strong. She earns a gross annual income of just over £52,000, with an additional annual bonus of around £8,500, demonstrating both consistency and reliability in her employment. A soft credit check revealed just one small credit card balance of around £2,270, with manageable monthly repayments, and very few other ongoing commitments — a solid footing when it comes to affordability. When we reviewed options across a range of mainstream lenders, the figures were encouraging. The client’s maximum mortgage capacity was estimated between £226,000 and £266,000, depending on the lender’s criteria. NatWest stood out as the most generous, offering up to £266,400, based on an 85% loan-to-value against a notional £500,000 property. To give this some perspective, that borrowing could translate to monthly repayments of around £2,035 on a two-year fixed rate, or slightly higher on a five-year option. Both routes provide flexibility depending on how she wishes to structure her new financial chapter. Overall, her profile shows strong affordability — stable income, low liabilities, and sensible monthly outgoings. Even amid major life changes, she’s in an excellent position to move forward confidently with a new mortgage. In conclusion, this assessment highlights how financial stability and careful planning can make all the difference during life transitions. With the right advice and lender fit, clients like this can turn a challenging period into an empowering fresh start.

Mortgage Capacity Report Example 27/10/2025 – 31/10/2025

By Oliver Ben+Reece • November 3, 2025
Mortgage Capacity Snapshot: November Case Study Every client’s financial journey tells its own story — and this week’s mortgage capacity assessment really highlights the balance between affordability and long-term stability. Our client was looking to explore how much they could comfortably borrow based on their current income and financial position. Their income consisted of a private pension, Personal Independence Payment (PIP), and Employment and Support Allowance (ESA) — giving a total annual income of just under £25,000. After reviewing the client’s credit commitments — which were modest and well-managed — and confirming that monthly outgoings were low, we moved on to assess their borrowing potential. Using a range of mainstream lender affordability calculators, we found that maximum mortgage offers varied between approximately £39,000 and £48,000, with the most competitive figure coming from Barclays at £44,400. To put that into perspective, the example we used was based on a property valued at £400,000 with an 85% loan-to-value ratio over a seven-year term. At this level, a 2-year fixed rate with Barclays would see monthly repayments of around £604, or slightly higher if opting for a five-year fix. While the numbers make a small mortgage technically feasible, it’s not just about what’s possible — it’s about what’s sustainable. During our discussions, the client mentioned some health considerations that could impact their financial resilience in the future. With that in mind, we suggested exploring the option of purchasing a property without a mortgage where possible, to minimise financial risk and ensure long-term peace of mind. In summary, affordability looks positive on paper, but true financial security often comes from balancing ambition with practicality. Sometimes, the most sensible move isn’t about borrowing more — it’s about creating stability that supports the client’s lifestyle and wellbeing.

Mortgage Capacity Report Examples 20/10/2025 – 24/10/2025

By Oliver Ben Reece • October 28, 2025
This week’s mortgage capacity review looked at a client whose income currently comes from her state pension, totaling just over £9,000 per year. She also holds a 40% share in a holiday let business, but this will end once her divorce is finalised, leaving her fully reliant on her pension income. With no outstanding debts or credit commitments, her finances are relatively straightforward, though her monthly outgoings are modest at around £106 for storage. The client jointly owns a holiday let property valued at approximately £600,000, which is due to be sold as part of the financial separation. The equity released from this sale will likely form the foundation of her future financial stability. When assessing affordability, the figures showed that she would not qualify for any new mortgage borrowing based on current lender criteria. This is mainly due to her limited income and the loss of her business-related earnings. In cases like this, lenders focus heavily on affordability and repayment sustainability, which can be challenging with pension-only income. The best course of action for her will be to focus on managing the proceeds from the property sale wisely and ensuring her long-term financial comfort. It’s a good reminder that even without mortgage capacity, strategic planning can still secure a stable and manageable financial future.

How to Obtain a Mortgage Capacity Report in the UK

By Oliver Ben Reece • September 17, 2024
How to Obtain a Mortgage Capacity Report in the UK A mortgage capacity report helps potential homebuyers understand how much they can borrow based on their financial situation. Obtaining this report involves several steps, and knowing where to get it can streamline the process. Here’s a step-by-step guide on how to obtain a mortgage capacity report in the UK and the institutions that provide them. Step 1: Assess Your Financial Situation Before seeking a mortgage capacity report, it’s important to have a clear understanding of your financial situation. Gather the following information: Income Details: Recent payslips, tax returns, or proof of other income sources. Debts and Outgoings: Information on existing loans, credit card balances, and regular financial commitments. Savings and Assets: Bank statements, savings account details, and information on any investments or assets. Step 2: Choose the Right Institution Several types of institutions can provide mortgage capacity reports, each with different approaches and levels of detail: Mortgage Lenders: Most banks and mortgage lenders offer mortgage capacity reports as part of their mortgage application process. These reports are often based on their specific criteria and lending policies. Mortgage Brokers : Independent mortgage brokers can provide mortgage capacity reports and offer a more comprehensive view of your borrowing potential. Brokers have access to multiple lenders and can provide tailored advice based on your financial situation. Online Mortgage Calculators: While not a formal report, online mortgage calculators can give you a rough estimate of your borrowing capacity based on input data. They can be useful for preliminary assessments. Financial Advisors: Some financial advisors offer services that include mortgage capacity assessments. They can provide detailed reports and financial advice to help you understand and improve your borrowing potential. Step 3: Gather and Submit Required Documentation Once you’ve chosen the institution, you’ll need to provide various documents to assess your mortgage capacity. Commonly required documents include: Proof of Income: Recent payslips, P60s, or self-employment income details. Bank Statements: Recent statements to demonstrate financial health and savings. Details of Debts: Information on existing loans, credit cards, and other financial commitments. Identification : Proof of identity, such as a passport or driving license. Submit these documents to the chosen institution. If you’re working with a broker or financial advisor, they will handle the submission on your behalf. Step 4: Receive and Review the Report After submitting your documentation, the institution will assess your financial situation and generate a mortgage capacity report. The report will typically include: Borrowing Limits: An estimate of the maximum amount you can borrow based on your financial details. Affordability Assessment: An analysis of how much you can comfortably afford to borrow, considering your income and expenses. Interest Rates and Terms: Information on the interest rates and terms you might qualify for, based on your borrowing capacity. Review the report carefully to ensure that all the information is accurate and that it reflects your financial situation correctly. Step 5: Address Any Issues If you notice any discrepancies or if the report doesn’t align with your expectations, you may need to address the following: Update Financial Information: Provide updated documentation if your financial situation has changed since the report was generated. Correct Errors: Contact the institution to correct any errors or omissions in the report. Seek Advice: If you’re unsure about the findings or need further clarification, consult with a mortgage broker or financial advisor. Step 6: Use the Report for Your Mortgage Application Once you have an accurate mortgage capacity report, you can use it to: Apply for a Mortgage : Submit the report along with your mortgage application to demonstrate your borrowing potential to lenders. Negotiate Terms : Use the report to negotiate better mortgage terms with lenders based on your assessed capacity. Institutions Providing Mortgage Capacity Reports Mortgage Brokers: Independent brokers like Bright Future Mortgage Advisors. Conclusion Obtaining a mortgage capacity report in the UK involves assessing your financial situation, choosing the right institution, and submitting necessary documentation. By following these steps, you can gain a clear understanding of your borrowing potential and make informed decisions about your mortgage application. Whether through a lender, broker, or financial advisor, ensuring the accuracy of the report will help you secure the best possible mortgage deal.

Can You Challenge a Mortgage Capacity Report?

By Oliver Ben Reece • September 17, 2024
A mortgage capacity report is a crucial document that outlines how much you can potentially borrow based on your financial situation, including income, debt, and other obligations. However, there may be instances where the report doesn’t seem accurate or doesn’t reflect your true financial capacity. If you find yourself in this position, it is possible to challenge a mortgage capacity report. Here’s a guide on when and how to do so, as well as what steps you can take to ensure the report more accurately reflects your borrowing power. When Should You Consider Challenging a Mortgage Capacity Report? There are several reasons why you might feel the need to challenge a mortgage capacity report: Incorrect Financial Information If the report is based on incorrect data, such as outdated salary figures, incorrect debt levels, or overlooked sources of income, it could undervalue your borrowing capacity. Discrepancies Between Lenders If you’ve received multiple reports from different lenders, and they vary significantly, it’s worth investigating whether one report is based on incomplete or inaccurate information. Unusual Income Sources For those who have irregular or non-traditional income streams (such as bonuses, freelance income, or dividend payments), a standard report may not accurately assess your financial capacity. This could result in a lower mortgage capacity than you’re eligible for. Change in Financial Circumstances If your financial situation has improved since the report was issued — for example, through a salary increase, new investments, or a reduction in debt — the report may no longer be valid and could warrant an update or challenge. Steps to Challenge a Mortgage Capacity Report If you believe your mortgage capacity report is inaccurate, here are the steps you can take to challenge it: Review the Report Thoroughly Start by going through the report in detail to ensure that all information is correct. Pay attention to figures such as income, expenses, outstanding debts, and assets. Verify that no financial information has been overlooked. Check Your Credit Report Your credit history plays a significant role in determining your mortgage capacity. Make sure your credit report is accurate and up to date. If there are any errors in your credit report (such as misreported debts or missed payments), you should address these before challenging your mortgage capacity report. Update Financial Information If there have been changes in your financial circumstances since the report was generated, provide updated information to the lender or mortgage broker. This could include proof of new income, a reduction in debts, or improved credit scores. Speak to a Mortgage Advisor A mortgage advisor can provide expert advice on whether your report accurately reflects your financial situation. They may also be able to liaise with the lender on your behalf and offer guidance on improving your borrowing capacity. Request a Reassessment Once you have corrected or updated any information, you can ask the lender to reassess your mortgage capacity. This may involve submitting additional documentation, such as recent payslips, tax returns, or bank statements, to support your claim. Consider Alternative Lenders If you believe one lender’s report is not reflective of your true capacity, you may want to approach other lenders. Different lenders have varying criteria and might be more flexible in assessing non-traditional income or higher risk factors. Factors That Could Influence the Outcome Challenging a mortgage capacity report may not always result in a significant change. Several factors can impact how much lenders are willing to offer: Affordability Checks: Lenders will still run stringent affordability checks based on your income and outgoings. If they believe you may struggle to make repayments, they might be cautious, even if your report appears more positive after reassessment. Debt-to-Income Ratio: A high debt-to-income ratio could still limit how much you can borrow, even if you’ve corrected other errors in the report. Market Conditions: External factors, such as changes in interest rates or economic conditions, might affect lending decisions. Even if your personal circumstances have improved, broader economic issues may lead to conservative lending practices. Preparing for the Best Outcome To ensure the best outcome when challenging a mortgage capacity report, it’s essential to: Maintain Good Credit: Regularly monitor your credit report and resolve any issues promptly. Minimise Debt: Lowering your outstanding debt can significantly improve your mortgage capacity. Provide Comprehensive Documentation: Gather all financial documents to support your case for reassessment, including payslips, tax returns, and any proof of additional income sources. Plan Ahead: Consider consulting with a financial advisor or mortgage broker before applying for a report to ensure that your financial situation is as strong as possible. Conclusion Challenging a mortgage capacity report is entirely possible, especially if you believe it does not accurately reflect your financial situation. By taking the right steps — from reviewing the report thoroughly to updating your financial data and speaking to experts — you can improve your chances of securing a mortgage that truly reflects your borrowing power. However, it’s important to be realistic about the factors that influence a lender’s decision, as external conditions and affordability checks will still play a significant role in the final outcome.

How Much Do Our Mortgage Capacity Reports Cost?

Single Mortgage Capacity Report

£129.99

This report will be personalised for your specific circumstances. It includes:

  • Detailed breakdown of maximum borrowing capacity from a whole of market range of lenders.
  • Assessment of whether the mortgage payments for the maximum borrowing amount are sustainable based on your income and other outgoings.
  • Example Mortgage Illustrations that highlight the key features of the loan, such as the interest rate, fees payable, monthly repayments, term period etc.


This report is designed to satisfy any court requesting your mortgage capacity. This is most often requested in divorce settlements.


Fee due on receipt of report

Trusted By the Family Law Group

Our company is pleased to partner with the Family Law Group to provide mortgage capacity reports for their clients. Through this collaboration, we assist individuals involved in family law matters by assessing their ability to secure a mortgage, offering clear and detailed reports. These reports play a crucial role in helping clients navigate financial decisions during divorce or separation, ensuring they have a clear understanding of their mortgage options moving forward. Our expertise in mortgage evaluations supports the Family Law Group in delivering comprehensive solutions to their clients.

Credit Report: No Charge for Downloading Your Credit Report

As part of our service, we have the ability to download a copy of your Experian credit data at no additional cost to you. This saves you both time and money, as you won't need to sign up for a credit reference agency or pay monthly fees to access your data. We handle the process for you, ensuring a seamless and efficient experience while gathering the necessary information for your mortgage capacity report.

Examples of Additional Scenarios


As part of our service, we offer additional scenarios for your mortgage capacity report, allowing for tailored comparisons based on your specific circumstances.

Examples of additional scenarios

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FAQ

Why do I need a mortgage capacity report?

In some cases, during a divorce or financial settlement, your solicitor may require you to provide a mortgage capacity report to demonstrate how much you can or cannot borrow on a mortgage. This request may also come from the opposing party's solicitor. For example, if you need to prove that obtaining a mortgage is not currently feasible, it could strengthen your case in court for a larger settlement. Conversely, the report might show that you have greater financial options than the other party, indicating that you are less financially vulnerable.

Who can complete a mortgage capacity report?

A qualified mortgage advisor, who is either directly authorised by the FCA or operating as a trading style of an authorised FCA mortgage intermediary, can complete a mortgage capacity report. We recommend working with an advisor experienced in producing these reports who has the systems in place to deliver them efficiently and accurately.

What is included in a mortgage capacity report?

A mortgage capacity report includes much of the same information required for a full mortgage application. This typically consists of personal details, income verification (including supporting documents), and an up-to-date credit report (which we can download with your consent). Additionally, the report will thoroughly assess your personal outgoings.

What is a mortgage capacity report scenario?

A mortgage capacity report scenario is the foundation upon which the report is based. For instance, it might assume that both parties sell the marital home and purchase new properties. In such cases, we calculate potential equity and use that as the deposit in the scenario. Additional scenarios may also be explored, such as the impact of repaying unsecured debts or credit cards on your maximum loan amount.

Why isn’t a free agreement in principle sufficient compared to a full mortgage capacity report?

An agreement in principle (AIP) can be completed online by the client, but the information entered may be inaccurate. For example, a client might mistakenly record child maintenance payments as primary income rather than additional income, which can significantly alter the loan amount offered. Moreover, an AIP is only a preliminary approval, and full underwriting occurs during the mortgage application process.


A mortgage capacity report, on the other hand, is formally prepared and underwritten by a qualified professional. It takes into account all relevant factors, including income, credit history, and property criteria, providing a far more reliable basis for financial decisions. For this reason, an AIP certificate is not admissible in court compared to a mortgage capacity report.

Why does a mortgage capacity report cost money?

Producing a mortgage capacity report requires a mortgage advisor’s time and expertise. The process is comparable to preparing a full mortgage application. In a successful mortgage application, the advisor is compensated by the lender. However, as there is no completed mortgage application in this case, the advisor must charge a fee to cover the time and effort involved.

Who will read the mortgage capacity report?

The individuals reviewing your mortgage capacity report will vary depending on the case. Typically, your solicitor and the opposing party's solicitor will read the report. It may also be reviewed by relevant parties involved in court proceedings.

Why is it Important to Review Your Mortgage Capacity Report Before Submitting it?

It is crucial to review your mortgage capacity report before submission to ensure accuracy and that it reflects your current financial situation. For instance, you might have forgotten to mention an informal loan you are repaying to a family member or overlooked child maintenance payments you receive. Identifying such omissions can ensure your report presents a true picture of your financial standing.

 

How Long Does it Take to Complete a Mortgage Capacity Report?

We aim to provide the initial draft of your mortgage capacity report within 24 hours of receiving all necessary information.

What Are the Benefits of Having a Mortgage Capacity Report For Divorce?

The key benefit of a mortgage capacity report is that it provides clear evidence of your borrowing ability. This can support your case in divorce proceedings, helping the court or solicitors understand your financial position and the level of equity or support you may require.


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How Mortgage Capacity Reports Are Different from Agreements in Principle

An Agreement in Principle (AIP) can be completed online by the client; however, the accuracy of the information entered relies entirely on the client’s input. For example, a client might incorrectly record child maintenance payments as primary income rather than additional income, which can significantly affect the loan amount offered. Additionally, an AIP is only a preliminary approval, with full underwriting occurring later during the formal mortgage application process.

Difference between mortgage capacity reports and agreements in principle

How Our Prices Compare To Our Competitors

At Bright Future Mortgage Advisors, we are committed to providing exceptional value for our clients. Our fee structure is designed to be competitive and transparent:

Mortgage capacity reports compare prices

How To Decide Which Scenarios To Include In Your Report

Deciding which scenarios to include in your mortgage capacity report can be challenging and depends on your specific circumstances.

Mortgage capacity report scenarios

How To Prepare For Your Mortgage Capacity Report Consultation

To make the most of your discovery call, we recommend setting aside at least 30 minutes. This will give us the time needed to fully understand your unique situation and requirements.

Prepare for your mortgage capacity report consulatation

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Information We Will Request As Part Of The Process

As part of the mortgage capacity report process, we will require the same information a mortgage advisor would if you were applying for a mortgage.

Information needed for mortgage capacity reports

The Importance Of Reviewing Life Insurance After Your Mortgage Capacity Report

After your mortgage capacity report has been completed and your financial separation finalized, it’s essential to review your life insurance policies to ensure they align with your new circumstances. Life insurance plays a crucial role in protecting your assets and loved ones from risks such as death, critical illness, or loss of income.

Review life insurance post mortgage capacity report

Our Aftercare Process

At Bright Future Mortgage Advisors, our support doesn’t end once your mortgage capacity report is complete. Here’s what you can expect from our aftercare process:

Mortgage capacity report aftercare process

What Documents We’ll Need From You to Complete Your Mortgage Capacity Report

Generally, the documentation required to complete your mortgage capacity report is minimal. 

Documents needed for mortgage capacity report

What Free Additional Services Do We Offer?

In addition to your Mortgage Capacity Report, we offer free additional services to help you plan for the future once your financial settlement has been finalized. These services are designed to ensure you’re well-prepared for the next steps and financially secure moving forward.

For example:


  • We can assist you in applying for your mortgage, aligning it with the recommendations in your report.
  • We can help you find a reliable and competent solicitor to guide you through the legal aspects of your next steps.
  • To safeguard your financial future, we offer advice on single mortgage protection, income protection, and critical illness policies.


Our goal is to not only provide you with a clear picture of your mortgage capacity but also to ensure you feel supported and secure as you move forward with confidence.


What Happens After You Receive Your Report

Once you receive the draft copy of your mortgage capacity report, it is important to review it thoroughly to ensure all the information accurately reflects your financial situation and chosen scenarios.


We recommend referring the draft to your solicitor for their review and approval. They may provide feedback or suggest adjustments to ensure the report aligns with your case requirements.


After both you and your solicitor are satisfied, and once the fee has been paid, the full, signed copy of the mortgage capacity report will be provided to you.


When your divorce matters are finalised, we can assist you in turning the outcomes of the report into reality. Whether you need help purchasing a new property or remortgaging your current home, we are here to support you every step of the way.

What Incomes Are Accepted For Your Mortgage Capacity Report?

Income comes in many forms, and the types of income we can consider for your mortgage capacity assessment align closely with those used in a formal mortgage application. We’re here to help you understand which of your income sources can be included.

Acceptable incomes used for mortgage capacity reports

What Is a Nil Mortgage Capacity Report?

A Nil Mortgage Capacity Report is a type of report that confirms an individual is currently ineligible to obtain a mortgage. This determination could be based on factors such as their income relative to their outgoings or their credit score.


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What Is a Single Mortgage Capacity Report?

A Single Mortgage Capacity Report is a type of report that evaluates the mortgage capacity of one individual, considering their financial situation and borrowing potential.


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What Is a Joint Mortgage Capacity Report?

A Joint Mortgage Capacity Report is a type of report that assesses the combined mortgage capacity of two individuals, taking into account their shared financial circumstances.


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What Outgoings You’ll Need to Share for Your Mortgage Capacity Report

During your mortgage capacity report phone call, we’ll need to gather a clear and accurate picture of your outgoings. This helps us—and any relevant parties—understand your surplus income in relation to your expenses and net income. It’s an important part of your report, reflecting the kind of information you may have provided in the past for similar purposes.

Outgoings for mortgage capacity report

Why Having a Mortgage Broker by Your Side During a Divorce Could Help You

Divorce is often a challenging and uncertain time, particularly when it comes to navigating financial matters like mortgages. Having a mortgage broker by your side can provide clarity and guidance tailored to your unique circumstances, helping you make informed decisions for your future.


We often find that clients who engage us for their mortgage capacity reports return for formal mortgage advice once their divorce proceedings are concluded. This continuity ensures that the financial strategies outlined in the report can be implemented effectively.


Beyond mortgages, we also assist clients in transitioning away from joint life insurance policies, offering advice on single life insurance, critical illness coverage, and income protection policies. These steps help ensure your and your family’s financial security in the post-divorce period, allowing you to focus on rebuilding your life with peace of mind.

Why It Is Important to Discuss Your Draft Copy with Your Solicitor

It is essential to review your draft mortgage capacity report with your solicitor before making payment

Importance of reviewing your mortgage capacity report with your solicitor

Why Not Invite the Other Party to Obtain a Report From us as well?

Our service offers the option to produce joint mortgage capacity reports for separating couples. This extended version combines both parties' mortgage capacities into a single report, providing a comprehensive and unified view of the financial landscape.

Joint mortgage capacity report

Why Paying Off Your Debts Could Increase Your Mortgage Capacity

As part of our process, we’ll review your credit file to gain a clear understanding of your current credit card debts and personal loans. This allows us to explore scenarios where repaying debts as part of your divorce settlement could impact your maximum loan amount.

For example, using the NatWest Affordability Calculator, we can demonstrate the difference debt repayment can make:


  • A 35-year-old earning £40,000 per year with no credit card debt could borrow £200,000.00.
  • The same individual with £10,000.00 in credit card debt could borrow only £178,800.00.


The difference of £21,200.00 between the two maximum loan amounts is significant and illustrates how reducing or eliminating debts can substantially improve your borrowing potential.


We’re here to help you explore these options and determine the best strategy to maximize your mortgage capacity while aligning with your unique circumstances.


Why We’re the Best Choice for Your Mortgage Capacity Report

At Bright Future Mortgage Advisors, we pride ourselves on being a leading provider of mortgage capacity reports in the UK. Our well-established systems and processes are designed to deliver a professional, personalized, and informative report quickly and efficiently, tailored to your unique needs.


While other mortgage advisors may offer similar services, mortgage capacity reports may not be a central focus of their business. For us, however, this service is one of the core pillars of what we do. Over the years, we’ve honed our process through dedication and continuous improvement, ensuring that every client receives the highest standard of care and expertise.


When you choose us, you’re not just getting a report—you’re gaining a trusted partner committed to helping you navigate this important step with clarity and confidence.


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Why We Charge for Mortgage Capacity Reports and How the Cost is Broken Down

Producing a mortgage capacity report requires a significant investment of time and expertise from a qualified mortgage advisor. The process is comparable to preparing a full mortgage application, with the primary difference being that, in a successful mortgage application, the advisor is compensated by the lender. Since there is no completed mortgage in this case, the advisor charges a fee to cover the effort and resources involved.

We charge a fee of £129.99 for a single mortgage capacity report. This fee is broken down as follows:


  • Initial Fact-Find Call: £50.00
  • Research and Drafted Report: £25.00
  • Technology Subscriptions: £25.00
  • Scenario-Based Research: £29.99


This transparent breakdown reflects the time, tools, and expertise necessary to deliver a comprehensive and accurate mortgage capacity report.

Why We Love Helping clients with Mortgage Capacity Reports

We genuinely enjoy helping people with their mortgage capacity reports because we know how transformative this step can be. For many, it’s a crucial milestone in finalizing a divorce and moving forward toward a fresh chapter in their lives.


Being part of such a significant and personal journey is something we take to heart. It’s deeply rewarding to provide the support and clarity needed during what can be a challenging time, helping clients take the next step with confidence and peace of mind.

Why We Offer Mortgage Capacity Reports When Many Other mortgage advisors Avoid Them

As a mortgage advice company, we initially did not offer mortgage capacity reports. However, we were frequently approached by clients requesting this service. At the time, we lacked the processes and systems needed to deliver it effectively.


After investigating further, we discovered that the available options for clients seeking detailed, personalised reports were both limited and expensive. Recognising this gap in the market, we decided to develop the necessary systems, technology, and processes to make this a core offering of our business.

This service not only allows us to assist our clients during critical times but also builds long-term relationships. By helping clients with their mortgage capacity reports today, we aim to support them with their mortgage needs in the future. Offering this service has provided us with a unique opportunity to create lifelong connections with our clients.

Why Your Credit Score Plays a Big Part in Your Report

Your credit score is a crucial element of your mortgage capacity report, as it determines which lenders are likely to accept or decline your mortgage application should you choose to proceed.

As part of the process, we will assess your Experian credit profile. This assessment will help us identify the range of lenders who may consider your application. For example, if your report indicates County Court Judgements (CCJs) or defaults from two years ago, mainstream lenders such as Halifax or Barclays are unlikely to approve your application.

In cases of adverse credit, we rely on affordability calculations provided by specialist lenders who cater to such circumstances. However, specialist lenders typically offer lower loan amounts and higher interest rates compared to mainstream lenders. This distinction will play a significant role in shaping the findings of your mortgage capacity report.

Why Your Projected Retirement Age Is Important

For mortgage capacity purposes, your projected retirement age is a key factor in determining the term of the mortgage within the mortgage capacity scenario. Typically, the longer your mortgage term, the more you may be able to borrow.

For example, a client aged 45 might qualify for a mortgage term extending until their 80th birthday with certain lenders. However, if the client plans to retire at 60, the loan amount they qualify for could differ significantly. This is because lenders take retirement income into account when assessing affordability for mortgages extending beyond your working years.

We always advise our clients to carefully consider their intended retirement age and their plans for drawing down their pension. These details play a crucial role in accurately projecting your borrowing capacity and ensuring the scenarios in your report align with your financial goals.

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