Mortgage capacity report explained

Mortgage capacity report Divorce Ringwood, Poole

What they are and how to get one

Divorce can be a difficult and stressful time, and one of the biggest challenges can be determining how to divide assets and property. One of the most important assets to consider is the family home, and figuring out who will keep it and how to afford it can be a major source of tension and conflict.


Without a clear understanding of each spouse’s ability to afford a mortgage on their own, it can be difficult to make fair and informed decisions about the family home. This can lead to frustration, financial stress, and even legal disputes.


A Mortgage Capacity Report can help to alleviate these problems by providing a clear and objective assessment of each spouse’s ability to afford a mortgage. The report takes into account each spouse’s individual income, expenses, credit history, and debts, and can be used to guide decisions about how to divide assets and property.


By providing a clear understanding of each spouse’s financial situation, a Mortgage Capacity Report can help to ensure that decisions about the family home are fair and financially sound.

What asked and whats included?

Mortgage capacity report -get yours today

A Mortgage Capacity Report, or Mortgage Capacity Assessment, formally outlines the amount and type of mortgage you might be eligible for after a divorce or separation. It is an in-depth report that will be based on your specific and individual circumstances.

The information used will be factual information that you know to be certain.


For example:

  • Your income
  • Current debts and financial commitments
  • The outstanding mortgage
  • Property value and equity
  • Savings and investments
  • Children and dependants

A qualified mortgage adviser will collate all of the above information. The adviser will then run through some possible variations, or scenarios, of your situation post divorce. The solicitor may also have some specific requests or suggestions.

The variations could include: the amount of deposit available, child care or maintenance payments, property location etc.

After conducting thorough research, the adviser will be able to include the specifics of any mortgage arrangements that you would qualify for.

The mortgage information would include:

  • The amount of mortgage achievable
  • Repayment method and term
  • Different types of interest rates
  • Monthly repayment figures
  • Mortgage and related fees
  • Affordability assessment

Should the assessment determine that you are unable to obtain a mortgage, then it will state this.


Detailed and reliable

The assessment will be more reliable than an online mortgage calculator, or even a visit to your local bank. This is an unbiased report, produced by a qualified mortgage adviser, into your borrowing capacity.



Mortgage Capacity Reports do not constitute regulated advice and therefore may not be covered by the Financial Ombudsman Service.  PRIMIS Mortgage Network are not responsible for this service.


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Premier Mortgage Associates usually charges a fee for mortgage advice, typically £395, however, the amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity.

The advice fee is payable upon the application stage of your journey and is non-refundable.

Premier Mortgage Associates Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority Place of Registration: England & Wales. Registered office: 14, Penny Court, Ringwood, Hampshire BH24 1JH. Registration number: 15146348.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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