How Separation Affects Home Ownership: Understanding Your Mortgage Options
July 19, 2025
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Mortgage Capacity Report Pricing — How Much Does It Cost?
Transparent pricing, no hidden fees. Delivered online within 48 hours.
Our Pricing is Simple, Transparent, and Designed to Give you Certainty From the Start
One-Price
We know separation is already expensive. Our reports are just a single flat fee — no hidden extras, no nasty surprises. You know the cost upfront and pay only once.
Guaranteed
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.
Trusted
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.
Your report will be completed by our specialist Mortgage Capacity Report experts.
As an FCA-accredited, whole-of-market mortgage expert, they will complete a full review of your current finances and include their analysis in your completed report.
“Knowing the cost upfront meant no surprises — and I got my report in 48 hours.”
“Knowing the cost upfront meant no surprises — and I got my report in 48 hours.”
Recognition
Trusted by UK courts and over 250 solicitors — accepted first time, every time.
Specialist
We focus solely on Mortgage Capacity Reports — impartial, court-ready evidence you can rely on.
Speed
Delivered online in as little as 48 hours — keeping your case moving without delays.
Clarity
Upfront, transparent pricing — no hidden fees, no surprises.
TRUSTED BY CLIENTS & SOLICITORS
Your Clear Next Step
Going through separation is stressful enough. With a Mortgage Capacity Report, you’ll have the clarity, credibility, and confidence to move forward — trusted by courts, recognised by solicitors, and ready in 48 hours.
Mortgage Capacity Reports In 4 Simple Steps
Free Consultation
Choose the right report type based on your situation. Our simple online enquiry form takes under one minute to complete.
Assessment
Our FCA-accredited expert will build a complete picture of your finances.
Ready in 48 Hours.
Your personalised, court-ready report arrives within 48 hours, with full analysis and advice.
Ongoing support when you need it
We don’t just deliver your report — we stay on hand to guide you with any questions that follow.
EXPERT SUPPORT EVERY STEP OF THE WAY
One Clear Price — Accepted First Time
No Mortgage Capacity Report
£
149
When you need to show £0 borrowing capacity
Court-ready evidence confirming you cannot secure a mortgage
Helps protect you in settlements where you can’t afford housing costs
Delivered in 48 hours
Single Capacity Report
£
299
When you need clarity on your own mortgage options
Court-approved report showing your personal borrowing capacity
Includes an additional scenario (e.g., different income or deposit levels)
Delivered in 48 hours
Joint Capacity Report
£
549
When both parties need individual borrowing clarity
Court-approved reports for each person
Includes additional scenario for both parties at a lower cost than two separate reports
Delivered in 48 hours
Each report outlines borrowing potential based on repayment options, interest rates, LTVs, term, and retirement age.
How Are Mortgage Capacity Reports Used
Separation isn’t one moment, it’s a process. At each stage, our reports give you the clarity courts and solicitors require — protecting you from delays, disputes, and wasted costs.
Early Legal Advice & Mediation (MIAM)
Financial Disclosure
Negotiation & Settlement
Court Proceedings
Built Around the Family Court Process
We’ve designed our mortgage capacity reports to align with what UK family courts and solicitors expect—because delays and rejected reports are the last thing you need during a separation.
Our team has spent years researching court preferences and speaking with family-law professionals to make sure our reports are legally relevant, clearly structured, and easily understood by the people who need to read them: judges, mediators, and legal representatives.
Ready to get clarity? Start your report now.
Everything You Need To Know
My new partner has children, will you class them as a dependent?
Typically not unless requested. If we don’t take partners situation into consideration we cannot be
certain their isn’t income to cover the children .
What if my fact-find information isn’t complete yet?
That’s absolutely fine. Many clients start the process before they have everything to hand. We’ll guide you through what’s needed and explain any gaps—we won’t submit your report until it’s accurate and complete. You’re not expected to have all the answers on day one.
Will my credit score be checked?
No, we don’t run a credit check and there’s no impact on your credit file. Your report is based on the information you provide and standard lender criteria—it’s designed for legal and planning purposes, not a mortgage application.
What if the court or my solicitor asks for more detail?
We’re here to help. If the court, a solicitor, or mediator needs clarification or adjustments, we can update your report quickly. Our reports are built to meet legal expectations from the start, so requests like this are rare—but if they happen, we respond fast.
Can I get mortgage advice after my report is complete?
Yes—this is included free of charge for all report clients. Once your report is delivered, you can speak to a qualified adviser about your next steps, whether you plan to buy alone, with a new partner, or simply want to understand your future options.
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