Mortgage Capacity Reports Within 48-hours
We’ve worked closely with family-law professionals to create a Mortgage Capacity Report courts recognise and trust—so your case can move forward without delays.
How our Mortgage Capacity Reports Ensure a Fair Settlement
Fairness
The report gives the court a full view of both parties’ finances — income, debts, savings, dependants, and history — so decisions on property division are balanced.
Clarity
By providing clear, impartial evidence, a Mortgage Capacity Report reduces disputes. Both sides work from the same facts, which makes negotiations smoother and less stressful.
Protection
Because reports are now routinely requested in Family Court, having one ready shows you’re prepared, credible, and focused on realistic outcomes. It helps you feel more in control and speeds up the legal process.
“I needed a report urgently for my FDR hearing — Clementine delivered within 48 hours, and the court accepted it without question. Thanks for being on hand to answer my questions. ”
Don’t Risk Delays. Get Your Court-Ready Mortgage Capacity Report in 4 Simple Steps
The Fastest Path to a Court-Ready, Fair Settlement.
Everything You Need to Know
How Can I Be Sure the Court Will Accept The Report?
Yes. Since April 2022, Family Courts have required Mortgage Capacity Reports in financial cases. Judges and mediators use them because they’re reliable, impartial, and based on current lender rules.
Our reports are written by FCA-regulated experts and designed to meet court standards — giving you evidence you can rely on.
My FDR Meeting is in a Few Days, When Will I Receive The Report?
Fast. Once you share your details, your court-ready report is delivered within 48 hours.
We know deadlines are stressful, so we’ve built our process to be clear, quick, and dependable. No delays, no uncertainty — just the clarity you need, on time
Can I Use This Report in a Court or Mediation?
Yes. Our reports are frequently used in:
Family court proceedings
Financial remedy hearings
Mediation or collaborative law settings
Each report is independently prepared by a regulated, whole-of-market mortgage advisor. It includes all the financial assumptions, calculations, and supporting commentary needed for solicitors, mediators, and judges to understand your mortgage position. We also include an FCA registration reference and signed declarations for transparency.
What Documents Do I Need to Provide?
To complete your mortgage capacity report, we’ll ask you to provide:
- Proof of income (e.g. payslips, tax returns, P60 or SA302 if self-employed)
- Monthly expenses (including rent, bills, childcare, and any financial commitments)
- Details of existing credit (loans, cards, or car finance)
- Any spousal maintenance or child support you receive or pay
- Deposit amount, if applicable
- Credit score or a soft credit search, if available
Don’t worry—we’ll guide you through the secure fact-find form step by step, and your advisor is always available to help
How Do I Find out Which Report I Need?
Your solicitor may have already advised which report you need but if not, it’s not a problem.
Your assigned Mortgage Capacity Expert will let you know which report you need, after carefully understanding your current situation and needs.
We will complete the report within 48-hours of receiving your fact find.
What if my financial situation changes after the report?
Life happens—and if your circumstances change (e.g. new job, change in custody arrangements, or altered income), we can:
Update your existing report with revised figures
Add or adjust scenarios to reflect possible outcomes
Re-issue a fresh version if needed for court or mediation
We offer one free scenario change with every report. After that, small update fees may apply—but we’ll always let you know in advance.
Ready to get clarity? Start your report now.
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Why Choose a Report With us
Our team has first-hand experience in divorce and separation proceedings. We understand the need for accuracy, clarity and timeliness of completed reports.
Fast, free 48-hour delivery
All reports are delivered within 48 hours at no extra charge—keeping your case moving and helping you avoid delays or added costs
Support when you need it
Our team is available by phone, email, or video call. Whether you have questions or just need some reassurance, we're here for you.
Free, tailored mortgage advice
We waive our £299 mortgage advice fee for clients ordering a report—ensuring you get expert, divorce-focused support without extra expense.
One additional scenario, free
All reports include an extra scenario at no cost—ideal if you’re considering debt repayment or other financial changes that may affect affordability..
What is a Mortgage Capacity Report?
A Mortgage Capacity Report is an independent assessment of how much you could realistically borrow from a mortgage lender, based on your current financial situation.
Prepared by a FCA-regulated mortgage advisor, the report includes:
Your verified income and regular expenses
Any debts, maintenance payments, or dependants
Deposit amounts and loan-to-value assumptions
A calculation of your maximum borrowing capacity
Scenarios showing how this might vary with financial changes
Unlike a simple mortgage quote or lender estimate, this report is tailored, impartial, and suitable for legal proceedings—including family court or mediation.
2010
Part of the Bright Money Family
We are part of the Bright Money family. Bright Money Independent - based in Oxfordshire - has supported clients achieve their mortgage and protection goals since 2010. We’re a team that puts the clients needs at the heart of everything we do.
The Mortgage Capacity Co is our dedicated team for Mortgage Capacity Reports, run by a team of experts who understand how divorce and separation can impact home ownership and affordability.
We work in partnership with family-law solicitors around the UK which means you can be confident our reports will be accepted by solicitors and courts, at first submission.
What's included in your Mortgage Capacity Report?
Each report is tailored to your circumstances and includes:
A full summary of your current income, expenses, credit commitments, and financial obligations
Calculations of your maximum borrowing potential, with clear lender-based assumptions
A breakdown of how your borrowing power may change under different scenarios (e.g. spousal maintenance, child support, deposit changes)
Commentary explaining the results—clear enough for solicitors and courts
Confirmation of FCA-regulated independence
Your report is formatted to meet the requirements of family courts and is suitable for mediation and solicitor use.
Get In Touch With An Expert Today
POSTAL ADRESS
Kille House,
Chinnor Rd,
Thame
Oxfordshire
OX9 3NU
Phone
0330 221 1178
EMAIL ADDRESS
mcr@bmimoney.co.uk