A document prepared by a qualified Mortgage Adviser that will outline the expected mortgage raising capacity of an individual or both parties, going through a separation/divorce. They are often used as a starting point for discussions around financial settlements.

The Judicial guidance in the Family Court is that a joint mortgage capacity report obtained at an early stage increases the chance of either an early settlement or of utilising the First Appointment as a Financial Dispute Resolution appointment and as such saving parties potentially thousands of pounds in litigation costs

Your income, debts, children, current or future child or spousal maintenance, any barriers to lending (e.g. adverse credit), any ‘beyond the norm’ scenarios such as High Net Worth options or Later Life Lending.

An overview of your circumstances, any caveats to be aware of, and your maximum borrowing capacity, sometimes with various scenarios, typically on a repayment mortgage and also interest only if you qualify.

The experts declaration per Code of Practice for Experts is included, as is confirmation of our understanding of Part 25 of the Family Procedure Rules , as well as our statement of truth and qualifications/history. All of this is required information per the Family Courts.

This will only confirm what one lender is willing to lend you. It will not explain what the figure was based on, and can only cover one scenario without multiple credit scores being run which is not advisable.

This would not provide sufficient detail for your lawyer, barrister, advocate etc to use in court or discussions.