Jacob Marjoram
Adviser
A+ Mortgage Capacity Report service! The service was professional and prompt – a very quick turnaround on the report, and Jacob was very approachable and helpful.”
– Trustpilot Review
1 Working Day Turnaround
Court-Ready
FCA-Regulated Advisers
Whole-Of-Market
Working With Law Firms
At Boon Brokers, we work directly with family law solicitors and their clients to deliver mortgage capacity reports for divorce and financial remedy proceedings within 1 working day.
Our reports provide clear, lender-based assessments of borrowing capacity, helping inform decisions around housing and affordability in court.
By gathering information efficiently and working closely with both solicitor and client, we keep turnaround times short while delivering practical, evidence-based guidance you can rely on for FDRs and settlement negotiations.
Why Family Law Solicitors Choose Us
1-Day Turnaround
Reports delivered within 24 hours from payment – ideal for urgent hearings and tight deadlines.
Structured for Court Proceedings
Designed for financial remedy cases, providing clear and credible evidence for court.
FCA-Regulated, Whole-of-Market Advisers
Prepared by regulated advisers with access to the full UK lending market, helping provide realistic lending assessments.
Scenario Modelling for Negotiation
Model different outcomes to support settlement discussions and strengthen your client’s position.
Minimal Admin, Simple Instruction Process
We can liaise directly with your client, reducing admin and keeping your case progressing efficiently.
Evidence-Based, Defensible Figures
Based on income, debts, and current lender criteria – reflecting real lending assessments rather than estimates.
Mortgage Capacity Reports for Different Case Scenarios
Each report is suitable for inclusion within Form E disclosure, Financial Remedy proceedings, or court bundles.
£199.99 Single Mortgage Capacity Report
Prices from £199.99
A Single Mortgage Capacity Report assesses how much one individual may be able to borrow based on their income, financial commitments, and current lender criteria.
Each report includes:
- - A borrowing capacity range based on whole-of-market lender analysis
- - Assessment of affordability and sustainability of repayments
- - Assessment of affordability and sustainability of repayments
The report is designed to provide clear, lender-based evidence for use in financial remedy proceedings.
£349.99 Joint Mortgage Capacity Report
Prices from £349.99
A Joint Mortgage Capacity Report is an instruction resulting in two separate Single Mortgage Capacity Reports, one for each party.
Each report follows the same methodology as a Single Mortgage Capacity Report, including a borrowing capacity range, affordability assessment, and supporting mortgage illustration(s).
Although commissioned together for efficiency, the reports remain entirely separate to preserve confidentiality. They are typically used in divorce and financial remedy proceedings, allowing each party’s borrowing capacity to be considered side by side. In some cases, a Joint Mortgage Capacity Report may also be more cost-effective than obtaining two separate Single Mortgage Capacity Reports.
£124.99 Nil Mortgage Capacity Report
Prices from £124.99
A Nil Mortgage Capacity Report confirms that an individual would not currently be able to obtain a mortgage based on their financial circumstances and current lender criteria. This may occur due to factors such as insufficient income, significant financial commitments, adverse credit, or employment circumstances.
The report includes:
- - Confirmation of nil mortgage borrowing capacity
- - Brief explanation of the key reasons borrowing is not currently possible
Additional scenarios can be included for £50 each, including income, debt, lifestyle, deposit or maintenance adjustments.
Mortgage Capacity Reports for Family Law Solicitors
Clear, lender-based mortgage capacity reports for divorce and financial remedy cases, structured for use in court proceedings and typically delivered within 1 working day (from payment).
Inside the Report
All reports are prepared by FCA-regulated mortgage advisers with Whole-Of-Market lender access, providing a clear and reliable assessment of your client’s borrowing capacity.
Reports include:
- Detailed income and expenditure analysis
- A clear mortgage borrowing capacity range
- Assessment of the impact of debts on affordability
- A mortgage illustration for client communication
Court-Ready Delivery
Each report is professionally formatted and suitable for use in Form E disclosure, Financial Remedy proceedings, or joint expert instructions.
Reports are delivered as signed PDFs, ready for inclusion in your client’s legal bundle.
Typical turnaround:
- 1 working day from payment.
As FCA regulated experts, our duty is to provide impartial and court-compliant reports.
How to Instruct a Report
We keep the process straightforward and efficient, so you can move quickly when it matters.
Instruct a Report
Submit Your Instruction
Submit your enquiry with any relevant case details. We can liaise directly with your client or work through you (whichever you prefer).
We Review and Confirm
Our advisers will review the information provided and may request any additional details if required.
Report Preparation
We will prepare a clear mortgage capacity report tailored to your client’s circumstances, suitable for use in court proceedings.
Fast Delivery - 1 Working Day
Your report will be delivered within 1 working day of instruction (from payment), subject to receiving all required information.
Not sure which report you need? Get in touch and we’ll guide you.
Gerard Boon
Managing Director
Our aim is to provide solicitors with clear, reliable mortgage capacity reports. that help courts understand what borrowing may realistically be available to their clients. We focus on delivering lender-based assessments quickly and in a format that can be easily used within financial remedy proceedings.”
A team you can count on...
Instruct a Report
Provide the case details today and we’ll deliver your court-ready mortgage capacity report without delay.
All Mortgage Capacity Reports used for court purposes will comply with our duty to the courts as experts in the Mortgage Broking industry.
Frequently Asked Questions
What Is a Mortgage Capacity Report for Divorce or Financial Remedy Proceedings?
A Mortgage Capacity Report (MCR) is an independent assessment of how much an individual can borrow based on their income, debts, and current lending criteria. In divorce or financial remedy proceedings, solicitors can use these reports to:
- Evidence borrowing capacity
- Support realistic housing outcomes
- Assist negotiations and court decisions
Do You Work Directly With the Client or Through the Solicitor for Mortgage Capacity Reports?
At Boon Brokers, we can work in whichever way best suits your case. Some solicitors prefer us to liaise directly with their client to gather information, while others manage communication themselves.
In either case, we only require a completed fact-find that outlines the client’s current financial position, for us to accurately assess their potential borrowing capacity in today’s market.
In either case, we only require a completed fact-find that outlines the client’s current financial position, for us to accurately assess their potential borrowing capacity in today’s market.
What Information Is Required to Prepare a Mortgage Capacity Report for a Divorce Case?
All we need to prepare a Mortgage Capacity Report is a completed fact-find document. This typically includes details of your client’s income, employment, existing debts, and credit commitments. With this information, our dedicated advisers can assess your client’s borrowing capacity against current lender criteria to produce a MCR that is suitable for use in court proceedings.
Are Your Mortgage Capacity Reports Suitable for Use in FDR Hearings and Court Proceedings?
Yes, mortgage capacity reports can be used in Financial Dispute Resolution (FDR) hearings and court proceedings.
They provide:
They provide:
- A clear assessment of borrowing capacity
- Evidence to support negotiations
- Information to assist the court in decision-making
Can You Provide Joint, Single, or Nil Capacity Reports for Both Parties?
Yes, we can produce joint, single, or nil capacity reports depending on the needs of your case.
How Quickly Can a Mortgage Capacity Report Be Provided for an Ongoing Case?
We can complete a Mortgage Capacity Report within one working day of receiving all required information from the fact-find and payment. This supports timely case progression, helping you meet court deadlines and avoid delays in proceedings.
How Reliable Are Mortgage Capacity Reports for Negotiations and Court Use?
Mortgage Capacity Reports (MCR) are specifically designed to provide a structured and evidence-based view of borrowing potential. While they are not formal mortgage offers, they are widely relied upon by solicitors during negotiations and proceedings to establish realistic expectations and support fair financial outcomes.
Can Mortgage Capacity Reports Be Used to Model Different Settlement Scenarios?
Mortgage capacity reports can be adapted to reflect different financial assumptions, such as changes in income, deposit, or liabilities. This allows solicitors to test various settlement scenarios and better understand how each outcome may affect borrowing capacity.
What Is the Process for Instructing a Mortgage Capacity Report as a Family Law Solicitor?
Instructing a Mortgage Capacity Report begins with confirming the scope of the report and providing the required client details. The rest is up to us. Our dedicated experts will then assess your client’s borrowing capacity using current lending criteria, and issue the completed report promptly to support your case.
Why Do Family Law Solicitors Use Mortgage Brokers for Capacity Reports?
Family law solicitors use mortgage brokers for mortgage capacity reports because we understand how lender criteria are applied in practice within the current market. This allows for a more accurate assessment of borrowing potential, ensuring the report reflects what a client is likely to achieve.
