Independent mortgage capacity assessments for separation, divorce, and financial settlement.
When a relationship ends and a shared property is involved, one of the first practical questions is usually: can I afford to buy the other person out — and if so, on what terms?
A Mortgage Capacity Report answers that question clearly. It’s an independent, professionally prepared document that sets out what a person could borrow, based on their individual income and circumstances.
It’s not a mortgage offer. It’s not a sales pitch. It’s clarity — at the point when clarity matters most.
What is a Mortgage Capacity Report?
A Mortgage Capacity Report (MCR) is a formal written assessment of an individual’s borrowing position. It considers income, employment type, existing financial commitments, and current lender criteria to establish a realistic and credible borrowing range.
The report is prepared by a qualified mortgage adviser and is designed to be used within the context of financial remedy proceedings, solicitor-led negotiations, or mediation.
It gives both parties — and their legal representatives — a grounded, evidence-based view of what is financially achievable, without the uncertainty that can come from assumptions or informal estimates.
When is a Mortgage Capacity Report needed?
An MCR is typically commissioned when:
- One party wishes to remain in the family home and buy out the other
- A court or mediator requires evidence of borrowing capacity before financial settlement
- A solicitor needs an independent assessment to support their client’s position
- Both parties want to move forward on fair, informed terms — without dispute
It is often requested at an early stage of proceedings, giving all parties a realistic foundation from which to negotiate.
What the report covers
Each report is prepared individually, based on a detailed review of the client’s circumstances. It will typically address:
- Current borrowing capacity based on income and lender criteria
- The likely range of mortgage products available
- Any factors that may affect borrowing — employment structure, existing liabilities, credit position
- The monthly cost implications of different loan sizes
- Any notes relevant to the client’s specific situation
The report is written to be clear and accessible — suitable for use by solicitors, financial advisers, and courts, as well as by the individual themselves.
For solicitors and legal professionals
We work regularly with family law solicitors, mediators and financial advisers who require independent mortgage assessments as part of financial remedy cases.
Our reports are prepared to a professional standard, delivered promptly, and written with the clarity that legal proceedings require. We understand the sensitivity of these cases and approach every instruction with discretion.
If you’d like to discuss a referral or ongoing working arrangement, we’re happy to talk.
Going through a separation?
This is a difficult time. The financial decisions involved — particularly around the family home — can feel overwhelming, especially when so much else is uncertain.
A Mortgage Capacity Report won’t resolve everything. But it gives you one important piece of the picture: a clear, honest understanding of your borrowing position, so that decisions about your home can be made on solid ground.
We approach these conversations with care. There’s no pressure, no sales agenda — just straightforward advice from someone who understands the process.
How It Works
Initial conversation
We start with a brief call to understand your situation and confirm what the report needs to cover.
Information gathering
We’ll ask for details on income, employment, and any existing financial commitments. The process is straightforward and we’ll guide you through what’s needed.
Assessment
We review your circumstances against current lender criteria and prepare the report. Typical turnaround is 3–5 working days.
Report delivery
The completed report is delivered in writing, ready to share with your solicitor, mediator, or the court as required.
Request a Mortgage Capacity Report
To commission a report or discuss your circumstances in confidence, get in touch using the form below or contact us directly.