What is a mortgage capacity report used for?

Mortgage capacity reports are most commonly used during divorce or financial separation proceedings. They give the court an evidence-based view of the level of mortgage borrowing each party can realistically obtain. Solicitors usually request the report on behalf of their client to support the financial settlement.

How long does it take to get a mortgage capacity report?

From the point we have all the information we need, reports are typically issued within 1–2 working days. We offer an express service during standard office hours — book a call and let us know your timescale when you speak with us.

Can I get a joint mortgage capacity report with my ex-partner?

Yes. A joint mortgage capacity report covers both parties for a discounted fee of £249. Especially useful where both ex-partners need to demonstrate their borrowing capacity at the same time — just let us know when you book a call.

What is a mortgage capacity report used for?

Mortgage capacity reports are most commonly used during divorce or financial separation proceedings. They give the court an evidence-based view of the level of mortgage borrowing each party can realistically obtain. Solicitors usually request the report on behalf of their client to support the financial settlement.

How long does it take to get a mortgage capacity report?

From the point we have all the information we need, reports are typically issued within 1-2 working days. We offer an express service during standard office hours. Book a call and let us know your timescale when you speak with us.

Can I get a joint mortgage capacity report with my ex-partner?

Yes. A joint mortgage capacity report covers both parties for a discounted fee of £249. It is especially useful where both ex-partners need to demonstrate their borrowing capacity at the same time. Just let us know when you speak with us that you require a joint report.

Mortgage Capacity Report | From £119

Q: Do mortgage capacity reports need to come from a regulated adviser?

Yes. For the report to be accepted as credible evidence by the courts, it should come from a regulated mortgage adviser. Alexander Southwell Mortgage Services is authorised and regulated by the Financial Conduct Authority (No. 1011890). This is the standard expectation of solicitors and the Family Court.

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About Our Service

What is a Mortgage Capacity Assessment Report & Why Do You Need One?

A Mortgage Capacity Report is a detailed analysis of the level of mortgage you are likely to obtain after divorce or separation. Every report is different, as are every client’s circumstances and objectives.

Going through a divorce is one of the most challenging times in life and financial clarity is crucial when negotiating a fair settlement. Our reports give the court an evidence-based view of what you can realistically afford to borrow.

Reports are designed to meet the Family Procedure Rules, so they are accepted as reliable evidence in financial proceedings. The figure is calculated against the live lending market, not a generic online calculator.
Alexander Southwell Mortgage Services is authorised and regulated by the Financial Conduct Authority (FCA No. 1011890). That regulated status carries weight with your solicitor, the opposing party, and the judge overseeing your proceedings.

Find out how much you can borrow with Alexander Southwell Mortgage Services in Southampton, Hampshire. Call us on 03300 432 428 to talk with our experienced mortgage capacity team.

"Every report is built around your unique circumstances and stands up to scrutiny from solicitors, opposing parties, and the family court."

Helping You Buy Sooner

How Much Do Mortgage Capacity Reports Cost?

Mortgage capacity reports are not free, but we have kept them low cost. Choose the report that fits your situation: confirmation of nil capacity, a detailed single-applicant breakdown, or a joint report covering both parties.

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Built Around Your Situation

Each report is built around your unique situation. We use a short questionnaire to understand maintenance commitments, childcare costs, working hours and your current property position before running it against the lender market.

Pricing
From £119

Turnaround
1-2 working days

FCA Regulated
No. 1011890

Where reports are joint, both parties' incomes and circumstances are modelled. Especially useful when both ex-partners need to demonstrate their borrowing capacity to the court at the same time.

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Issued Only To You
or Your Solicitor

Reports are issued only to you (or to your solicitor on your instruction). We do not share figures with anyone unless you have specifically authorised us to.

Reports are issued only to you (or to your solicitor on your instruction). We do not share figures with anyone else unless you have specifically authorised us to.

Express service is available, typically within 1-2 working days from the point we have all your information. Let us know when you book a call if you need it quickly.

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Express Service Available

Each report comes with a phone consultation so you can walk through the figures with one of our advisers. Ask questions about the assumptions, the lenders we considered, and the alternative scenarios we modelled.
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What Every Mortgage Capacity Report Includes

Each report includes a clear summary of your maximum borrowing figure based on today's lender market, plus example monthly payments under different interest rate scenarios.

We also explain the assumptions clearly: working hours, maintenance income, childcare costs, existing mortgage balances and matrimonial assets. Every assumption can be flexed for additional scenarios.

Why it matters:If you require an express turnaround, contact us during standard office hours. We can usually issue a report within 1-2 working days of receiving all your information.

Step by Step

Why Do I Need a Mortgage Capacity Assessment?

Your mortgage capacity report needs to be credible, realistic and accurate. Here are the five reasons our reports stand up in court.

How Long Does It Take?

At Alexander Southwell Mortgage Services we are an experienced regulated mortgage brokerage. Reports are produced by a qualified adviser, ensuring your report is deemed acceptable by your legal representatives, solicitors and the courts. Our FCA reference number is 1011890.

Understanding Your Status

Who Completes the Mortgage Capacity Report and Research?

Mortgage capacity reports must be credible to be accepted by the courts. At Alexander Southwell Mortgage Services we are a regulated mortgage brokerage with the qualifications and FCA authorisation in place to ensure your report is deemed acceptable by solicitors, legal representatives, and the family court. Generally a solicitor requests the report on behalf of their client to support the financial settlement — but you can also instruct us directly.

Nil Mortgage Capacity Report – £119

Confirmation that you have no mortgage capacity under your current circumstances. Used by solicitors and the courts to formalise a settlement where no further borrowing is realistic. £119.

Single Mortgage Capacity Report – £129

A detailed breakdown of maximum borrowing from across the lender market. Includes example monthly payments, terms and interest rates tailored to your circumstances. £129.

Joint Mortgage Capacity Report – £249

Same as a single report but for two applicants. Crafted to address the intricacies of dual financial profiles, and often used by separating couples to show each party's capacity. £249.

Additional Scenario – £50

Need extra scenarios on top of an existing report? Each additional scenario, such as reduced hours, varying maintenance or different childcare costs, is just £50.