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.

It focuses on overall affordability considering all household outgoings. In contrast, many lenders assess only debts and committed expenditure, excluding lifestyle spending. It’s important that what you can actually afford is taken into account when trying to achieve a fair settlement in your divorce. 

We do not have the same relationship with your existing lender. If you have a strong borrowing history, they may offer preferential rates or more flexible terms, resulting in a higher borrowing amount. 

As whole‑of‑market representatives, we consider a wide range of lenders. Some accept only a portion of certain income types - for example, we may use 50% of benefit income where some lenders use 100%, and some do not accept it at all. 

To maintain consistency and prevent overstated or understated expenses, our assessments use average spending data from the Office for National Statistics. This includes categories such as food and drink, clothing, household goods and services, health, transport, communication, recreation and culture, education, hospitality, and other miscellaneous costs. 

Have any further questions? Check out our FAQs.