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.

Questions about our online indicative mortgage capacity assessments

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Why does my assessment say I have £0 capacity to mortgage?

The assessment considers affordable borrowing based on your net income minus your outgoings. This calculates your approximate disposable income available for mortgage repayments, in addition to considering the mortgage term. If the system determines that there is not enough disposable income to afford a mortgage, £0 capacity to mortgage will be confirmed. We offer a 'no mortgage capacity' report in this instance - please refer to our packages to find out more.

Eligibility questions explained: 

Do you reside in the UK for at least 6 months each calendar year?

Anyone living outside of the UK for longer than 6 months per year may be considered an ex—pat. On this basis, many mortgage lenders will not offer mortgage borrowing. 

Do you earn more than £95,000 gross per annum?

Higher earners usually equate to higher borrowers. Additional criteria usually applies for these cases which cannot be taken into consideration with the indicative calculation. We have other reports which are more suited in these cases. 

Do you receive a salary and/or other 'primary' income?

You must be in receipt of a primary source of income such as a salary, net profit, dividends, or income from land or property. If you do not have this type of income but you are in receipt of other income, we have other reports which are more suitable for you. Please speak to one of our experts about your individual circumstances. 

Are you paid in British pounds?

The majority of mortgage lenders do not consider foreign currency income, with criteria varying with the remaining mortgage providers who will. Therefore, if you receive income that is not in British pounds, you do not qualify for an indicative report and we will need to discuss your options further with you.  

As a self-employed individual do you have more than 1 year's full accounts?

The majority of mortgage lenders require newly self-employed individuals to have at least 1 year's accounts showing the business to be profitable. Without this information you may not be considered for a mortgage, but we do have other reports which are likely to be more suitable. 

Why do I need to assume a deposit of £10,000?

You must have a deposit to qualify for a mortgage. If you do not have a deposit do not worry, we have other reports which are suitable for you.

Whilst some mortgage lenders will accept a 5% deposit, the availability of this type of mortgage can vary. Therefore, a minimum deposit of 10% is more commonly accepted. In order to purchase  a property for £100,000, which is considered the lowest average property price available in the UK, a deposit of 10% or £10,000 is required. 

The same applies for a mortgage being raised on an existing property. £10,000 equity, at the very minimum, is required. If the outstanding mortgage is greater than 90% of the property value, please get in touch. 

Questions about mortgage capacity reports in general

Who needs a mortgage capacity assessment? 

Anyone going through divorce or separation – whether in or out of Court – can benefit from a mortgage capacity assessment. The report details an individual’s affordable mortgage borrowing capacity, which can help determine the financial settlement. 

Why do I need a mortgage capacity report? 

A mortgage capacity report will determine what mortgage you are likely to be able to obtain post-divorce or separation, clarifying your ability to secure appropriate housing. This information can be used in or out of Court to determine a fair financial split for both parties.  

What is a mortgage capacity report for divorce proceedings? 

If you’re undergoing Court proceedings for your divorce, the judge might ask you to get a mortgage capacity report. This will detail what mortgage you are likely to be successful in obtaining after your financial split and will help you negotiate a fair settlement. 

How do I get a mortgage capacity report? 

You can get an indicative mortgage capacity report instantly by using our online system. These reports are Court-appropriate and only £149. You can also purchase a more comprehensive report, beneficial at the FDR hearing stage of Family Court proceedings. The general turnaround for these larger assessments is 5-10 days, but we do offer an express delivery option if required.  

How much does a mortgage capacity report cost? 

Our mortgage capacity reports start at just £149 per person for an indicative assessment. More detailed FDR reports that can explore additional financial scenarios and include a Decision in Principle from a suitable mortgage lender cost £399 for a single party or £699 for a joint assessment. If you've already bought an indicative report from us, we offer a discounted rate of £250 and £400 respectively. 

Where can I get a mortgage capacity report? 

You can get an indicative mortgage capacity report today via our Court-approved online system. You can also get a thorough, more detailed report for your FDR hearing by clicking ‘buy this report’ next to your choice – it'll be written by a mortgage capacity expert and delivered within 5-10 days.  

Can a solicitor do a mortgage capacity assessment? 

A solicitor generally isn’t qualified to conduct a full mortgage capacity assessment for you. You’ll need a qualified mortgage adviser, like our mortgage capacity experts. Your report needs to be accurate, credible, and appropriate for Court proceedings.