Scheduled Maintenance
- 15 October 2026
Sorry for inconvenience we are currently carrying out maintenance update.
Does spousal maintenance affect how much I can borrow after divorce?
- 17 September 2026
Spousal maintenance can affect how much you may be able to borrow after divorce.
If you receive maintenance, some lenders may consider it as part of your income. If you pay it, the payments may be treated as a regular expense.
How does bad credit affect mortgage capacity after divorce?
- 12 August 2026
Divorce can put pressure on household finances.
Bills may need to be covered separately, joint accounts may need to be untangled and missed payments can sometimes occur while financial arrangements are being resolved.
Can I get a mortgage before my divorce is finalised?
- 08 July 2026
You may need to make decisions about where you'll live before your divorce is officially finalised.
In many cases, it can be possible to apply for a mortgage before the divorce is complete.
But whether it’s realistic depends on how clear your financial position is, and how a lender views your circumstances.
Can I stay in the family home after divorce?
- 22 May 2026
If you’re separating and thinking about staying in the family home, the key question isn’t just what you want to happen.
It’s whether it’s financially possible.
What mortgage can I afford after divorce?
- 30 April 2026
After a separation, one of the biggest concerns is where you’re going to live and whether you’ll be able to afford a home on your own.
The amount you may be able to borrow often looks very different compared to when you applied jointly.
What happens to a joint mortgage after separation?
- 19 March 2026
Separating from a partner is never easy, and finances can quickly become one of the most complex parts of the process. If you own a property together, one of the biggest questions is what happens to a joint mortgage after separation.
Why does the IMCA show a different borrowing amount than an existing or specific lender?
- 04 February 2026
Your Indicative Mortgage Capacity Assessment (IMCA) provides a brief mortgage capacity assessment rather than a full, detailed review – suitable for your first hearing or for providing clarity when managing your own divorce.
Get a mortgage capacity report for just £99
- 05 January 2026
When you’re getting divorced, costs can rack up quickly, causing a lot of added stress in what is already a very difficult situation. With that in mind, we wanted to ease the burden by providing the cheapest mortgage capacity report on the market.
Mortgage Capacity Report vs Mortgage in Principle: What’s the difference?
- 16 October 2025
When it comes to understanding how much money you can borrow to buy a house, a Mortgage Capacity Report and a Mortgage in Principle can both give you answers. But while they sound similar, they serve very different purposes. Knowing which one you need depends on your situation, particularly if you’re going through a divorce or financial settlement.
Your IMCA outcome explained
- 13 October 2025
If you’ve generated an Indicative Mortgage Capacity Assessment and think your borrowing figure is less than it should be, that’s because we base your report on affordable borrowing.
How accurate is a mortgage capacity report in the eyes of the court?
- 29 September 2025
It can be challenging to navigate the complexities of financial separation, especially when it comes to property and housing arrangements. That’s why the courts often turn to mortgage capacity reports to help determine what a party can realistically borrow. But how accurate are these reports, and how do judges view them in the context of legal proceedings?
When do you need a mortgage capacity report during divorce or separation?
- 24 September 2025
Separation and divorce are challenging times, especially when it comes to sorting out your finances and property arrangements. One of the most important documents you may need is a mortgage capacity report, which provides a clear assessment of your ability to get a mortgage after your relationship ends. Understanding when you need this report can make the process smoother, whether you are going through court proceedings or managing the split on your own.
FAQs about Mortgage Capacity Reports
- 24 June 2025
Find the answer to questions you may have about our mortgage capacity reports below. If your question isn't included, get in touch and our team will be happy to help.
Webinar: Negotiating the right settlement with instant online mortgage capacity reports
- 16 January 2025
Calling all family lawyers...
We recently launched our brand-new Indicative Mortgage Capacity Assessment (IMCA) so that, alongside our more comprehensive report offerings, we can meet the needs of your client at every stage of their financial separation.
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