Help your clients

in 3 simple steps

  1. Step 1. Choose Report

    Select the appropriate report for your client
  2. Step 2. Download the pack

    Download the information pack and return to us.
  3. Step 3. Payment

    Payment will be requested at the end of the process when the report is issued, and invoice raised

    *this is only if you are a solicitor, if you are the divorcee please pay online or on the telephone.

Your dedicated mortgage capacity team

Natasha Palmer Mortgage Capacity Expert

With over 15 years’ experience, and qualifications from the Professional Finance Society, my ultimate goal is to help you negotiate the right divorce settlement.

Working with both Solicitors and Divorcees, I am constantly refining our assessments to provide you with the most accurate, reliable and detailed information to ensure the level of service you receive is highly beneficial.

You can connect with me on LinkedIn, or send me an email.

Alternatively, call the office on 0800 6342 111 to speak with me directly.

I look forward to hearing from you.

Options for you

What’s included in our packages?

As experts our duty is to help the court on matters within our expertise and this duty overrides any obligation to the person from whom we have received instructions or by whom we are paid.

 

Single Mortgage Capacity Assessment £345.00

Details of capacity to mortgage for 1 party, which will include:

  • Details of maximum mortgage borrowing as confirmed by a range of mortgage lenders currently present in the mortgage market.

  • Example mortgage illustrations confirming an estimate of costs related to the maximum mortgage borrowing.

  • Confirmation of whether the maximum borrowing amount is affordable based on disposable income calculated from income and outgoings.

  • The report can be based on any financial circumstance and used to explore how changes in financial circumstances might affect capacity to mortgage.

  • As experts our duty is to the court which overrides any obligation to the person instructing or paying for this report. 

  • All information provided will be based purely on lending criteria and our experience as mortgage advisors.

  • The report will contain details of all information used to complete the assessment, including income, outgoings and any other important information specific to the investigation. 

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Joint Mortgage Capacity Assessment £600.00

If you or your client have been ordered to instruct a single joint expert (SJE) as part of financial proceedings.

Important notes:

All of our reports comply with the requirements set out in the Family Procedure Rules – Part 25 Experts and Assessors’ and ‘for joint assessments our timescale is 10-15 working days.

  • In addition to the information included in a Single Mortgage Capacity Assessment, the joint report can be used for 2 more parties, an example of this might include - the Applicant v Respondent plus the Respondents new partner.

  • This report saves £90.00 when compared to the instruction of 2 separate single assessments.

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No Mortgage Capacity Assessment £175.00

For individuals whose circumstances undoubtably mean they are in no position to secure mortgage lending, for example, newly self-employed with no accounts, unemployment, high indebtedness.

The report will include:

  • A quicker turnaround time – typically 3 working days.

  • Confirmation the individual has £0.00 capacity to mortgage.

  • Details of lending criteria confirming why the individual has no ability to obtain mortgage lending.

Please note that additional scenarios can not be added to a No mortgage Capacity Assessment

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Additional Scenarios £50.00 each

To explore how details of capacity to mortgage will be affected based on alternative financial circumstances, additional scenarios can be added to our Single or Joint Mortgage Capacity Assessment.

Additional Scenarios can be used to explore any change in financial circumstance, this may include but is not restricted to:

For any reports requiring 4 additional scenarios or more our fees may vary to take into consideration the additional work involved in such a detailed report. Please contact us here to request a quotation.

  • Various deposit amounts.

  • Increase or decrease in income.

  • Increase or decrease in debt.

  • Retaining property.

  • Various maintenance amounts.

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