Mortgage Capacity Reports
Fast, Court-Ready Documents From £299
What Is a Mortgage Capacity Report?
A Mortgage Capacity Report is a formal document that outlines the amount you (or yourself and a your partner) can borrow based on assessments from a range of lenders. They are usually needed after a divorce or separation to provide the court wth an accurate, independent evaluation of how much you can realistically borrow for a mortgage, based on your current (and predicted) circumstances.
The Bell Financial Mortgage Capacity Report Process
Getting a mortgage affordability assessment has never been easier with Bell Financial Solutions.
- Step 1: Initial Consultation – We review your situation and explain the process.
- Step 2: Information Gathering – You provide details about your income, expenses, debts, and assets.
- Step 3: Lender Analysis – Our advisors assess your borrowing potential across multiple lenders.
- Step 4: Report Delivery – You’ll receive a clear, court-ready document within a few working days.
Secure Your Mortgage Capacity Report Today
Recently been through a divorce or separated with your partner? We offer fast and affordable Mortgage Capacity Reports. Learn your borrowing capacity after divorce with a professional, court-ready Mortgage Capacity Report, tailored to your unique circumstances with Bell Financial Solutions. Take the first step today.
📞 Call Us Today – 0161 791 4757
Still have questions?
Why not just get a Mortgage in Principle?
A Mortgage in Principle, or Decision in Principle, is not a formal document, and therefore, is not accepted by courts. A Mortgage Capacity Report, however, provides an in-depth, formal and independent assessment based on lending criteria from a range of mortgage providers.
What does a Mortgage Capacity Report include?
At Bell Financial Solutions, our Mortgage Capacity Reports include:
- A breakdown of your current income and expenditure
- An assessment of your monthly affordability
- Details of any existing financial commitments (e.g. loans, credit cards)
- A review of mortgage lending criteria from a range of reputable lenders
- An estimated maximum mortgage borrowing amount
- A professionally written summary suitable for court or mediation
Is a mortgage capacity report legally required?
These reports are not needed in all cases. However, it is becoming standard practice in family court proceedings in the UK. A judge or solicitor may request a mortgage capacity report when:
- One party wants to remain in or purchase a property
- There is disagreement over each person’s ability to rehouse themselves
- You are negotiating maintenance or child support
- One party claims they can’t get a mortgage or rehouse independently
How much does a report cost?
The cost of a Mortgage Capacity Report can vary depending on the cost and type. You can usually get a good-quality report for anything from £120 to over £300. At Bell Financial Solution, we offer a single report at a fixed fee of just £299. A joint report is charged at just £449.
How will this help me in court?
A Mortgage Capacity Report provides independent evidence that can strengthen your position during divorce proceedings. It can demonstrate that you are – or are not – able to get a mortgage, and show the impact that financial contributions such as child support have on your borrowing power. It can also provide reassurance to judges and solicitors that your financial decisions are based on facts.
We’re all ears.
Let’s have a chat about what you need and how we can help.
