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Need a Mortgage Capacity Report? We’ll Handle It

Going through a separation or divorce? We’ll prepare your mortgage capacity report within 1 working day (from payment), keeping the process clear and straightforward when you need it most.

  • FCA-Regulated Advisers
  • Trusted by Thousands
  • Suitable Reports for Court Proceedings
  • Whole-Of-Market Assessment

Reports are based on the information provided and current lender criteria, which may be subject to change. This report does not constitute a mortgage offer or guarantee of lending.

Submit Your EnquiryWhich Report Type Do I Need? 

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Submit Your Enquiry

Submit your enquiry and one of our brokers will give you a call to explain what a Mortgage Capacity Report is, how it works, and what to expect.

Complete Your Fact-Finder

We’ll set you up on our secure online portal, where you can log in and complete your fact-find. This is where you provide details about your income, outgoings, and financial situation.

Review & Confirmation

Once you’ve completed your fact-find, we’ll assess your information using our affordability software to determine the appropriate report type. We’ll then send your fact-find to you for e-signature, along with your invoice. We can begin work on your report once this is signed and payment has been made.

Receive Report

Your broker will prepare your Mortgage Capacity Report and send it to you, as well as directly to your solicitor if required.

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Jacob Marjoram

Adviser

I thought this entire process was going to be another daunting task but I was very pleasantly surprised and Jacob was there for me at every step. I can’t thank him enough and would definitely recommend Boon Brokers to anyone in the same situation.”

– Robert, TrustPilot Review

What Is a Mortgage Capacity Report for Divorce Proceedings?

A Mortgage Capacity Report is a professional assessment that outlines how much mortgage borrowing an individual or couple may be able to obtain, based on factors such as income, existing debts, credit commitments, and overall financial circumstances.

These reports are most commonly used during divorce and financial remedy proceedings, where the court requires independent evidence of each party’s potential borrowing capacity. This helps inform decisions about what housing arrangements may be financially realistic as part of the overall settlement.

Mortgage Capacity Report Types

The type of mortgage capacity report you need will depend on your individual circumstances.

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£199.99
Single Mortgage Capacity Report

Prices from £199.99

A single capacity report assesses how much mortgage one individual could realistically obtain on their own, based on their income, financial commitments and current mortgage lending criteria.

Each report is prepared based on your specific financial circumstances and includes:

  • - A detailed breakdown of your maximum borrowing capacity using a whole-of-market range of mortgage lenders.
  • - An assessment of whether the monthly mortgage payments would be sustainable based on your income and existing outgoings.
  • - Example Mortgage Illustrations showing key loan details such as interest rates, fees, monthly repayments and mortgage term.

This report is designed to provide clear evidence of your mortgage borrowing capacity for court purposes and is most commonly requested during divorce and financial remedy proceedings.

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£349.99
Joint Mortgage Capacity Report

Prices from £349.99

A Joint Mortgage Capacity Report assesses how much mortgage two individuals could realistically obtain if applying together, based on their combined income, financial commitments and current lending criteria.

The report contains the same analysis as a Single Mortgage Capacity Report, but assesses the borrowing capacity of both parties together.

This type of report is often required during divorce or financial remedy proceedings where the court needs to understand whether a joint mortgage may be financially viable.

In some cases, a Joint Mortgage Capacity Report may also be more cost-effective than obtaining two separate Single Mortgage Capacity Reports.

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£124.99
Nil Mortgage Capacity Report

Prices from £124.99

If you are in a position where your maximum borrowing capacity is £0.00 with mortgage lenders, you will require a Nil Mortgage Capacity Report. This may be due to unemployment, indebtedness, significant adverse credit or recent self-employment for example. A Nil Mortgage Capacity Report will be suitable for you to satisfy the courts.
This report will include:

    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

    A brief explanation of the key reasons borrowing is not currently possible Nil capacity reports are commonly required during divorce and financial remedy proceedings where the court needs clear evidence that mortgage borrowing is not achievable.

Not sure which option is right for you? Don’t worry – submit an enquiry and we’ll guide you.

 

Contact an Adviser

Why Choose a Broker for Your Mortgage Capacity Report

Mortgage Capacity Reports are typically prepared by qualified, FCA-regulated mortgage advisers. While different professionals can provide similar assessments, Whole-Of-Market brokers are often preferred because they can access a wide range of lenders. This means that your report will give a more accurate and balanced view of what you could realistically borrow.

By choosing a trusted broker like Boon Brokers, the process is kept simple, quick, and as stress-free as possible.

We work directly with you to gather the necessary information, guide you through each step, and deliver a court-ready report tailored to your circumstances within 1 working day (from payment).

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    Report you are interested in

    If you require further scenarios to be explored in addition to Single or Joint Mortgage Capacity Report we can add these scenarios to your report. Additional scenarios include the below options and come at an additional £50 each.

    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?

    A Mortgage Capacity Report (MCR) is a formal document that outlines how much you are likely to be able to borrow on a mortgage based on your income, outgoings, credit profile, and financial commitments.

    MCRs are commonly used in divorce, separation, and court proceedings to provide evidence on your realistic borrowing potential when negotiating a financial settlement. As such, the report provides a clear, evidence‑based assessment of your mortgage affordability using lender criteria and current market conditions.

    Why Do I Need a Mortgage Capacity Report?

    Mortgage Capacity Reports (MCR) are primarily used in divorce or separation court proceedings and may be requested by the court. You may need an MCR if you are:
    • Going through a divorce or separation
    • Involved in financial remedy proceedings
    • Negotiating how assets or property will be divided
    • Providing evidence on your future housing affordability

    Courts often require an independent, professional assessment of your borrowing ability. A MCR ultimately provides clarity, reduces disputes, and helps ensure any settlement is based on realistic financial information.

    How Accurate Is a Mortgage Capacity Report?

    A Mortgage Capacity Report reviews the current mortgage market based on the information you provide, including verified income, spending, credit circumstances and current lender criteria. Its accuracy depends on the quality of that information and the assumptions used. This is why it’s essential to provide full, honest details to ensure the report reflects your true borrowing position.

    Are Your Mortgage Capacity Reports Compliant for Use in Court Proceedings?

    Yes. At Boon Brokers, our Mortgage Capacity Reports are written to be fully compliant for use in Court Proceedings, including Family Court and Financial Remedy Hearings. They are structured in a clear, professional format and include:
    • Evidence‑based affordability calculations
    • Transparent assumptions
    • Supporting lender criteria

    This ensures the report can be relied upon by solicitors, mediators, and the court.

    How Long Does It Take to Get My Mortgage Capacity Report From a Broker?

    A Mortgage Capacity Report is usually completed within 48 - 72 hours once you’ve provided all required documents. At Boon Brokers, reports can be completed within 1 working day following payment. This is because we ensure that the report process is handled by a dedicated adviser.

    What Information Do I Need to Provide a Broker When Requesting a Mortgage Capacity Report?

    At Boon Brokers, we require an overview of your financial situation, completed through our own fact-find service, in order to produce an accurate Mortgage Capacity Report. This includes details of your income, regular expenditure, debts, credit commitments, credit circumstances and any maintenance payments.

    What Is a Fact-Find When Requesting a Mortgage Capacity Report?

    Our fact‑find service is the first step in producing your Mortgage Capacity Report. It’s a simple and easy to use information‑gathering process where we collect information about your income, expenditure, debts, credit circumstances and future financial changes. This ensures the report is accurate, evidence‑based and suitable for use in court proceedings.

    What if I’m Not Sure Which Mortgage Capacity Report Type Need?

    Don’t worry - if you’re unsure which type of Mortgage Capacity Report you need, we can help. At Boon Brokers, we’ll review your circumstances, the stage of your legal proceedings and any guidance from your solicitor. From there, we’ll recommend the most suitable report, whether it’s a single, joint, or nil-capacity mortgage report.

    How Much Does a Mortgage Capacity Report Cost?

    At Boon Brokers, we charge a fixed fee depending on the type of Mortgage Capacity Report you need. At the time of publication, a Single Mortgage Capacity Report costs £199.99, a Joint Mortgage Capacity Report costs £349.99, and a Nil Mortgage Capacity Report costs £124.99. All fees are confirmed upfront, with no hidden charges.

    Why Should a Broker Help With a Mortgage Capacity Report?

    Put simply, we’re the experts when it comes to mortgages. At Boon Brokers, we’re best placed to produce a Mortgage Capacity Report because we work with different lenders affordability criteria every single day. We understand how income, expenditure and credit circumstances are assessed across the market, allowing us to provide an accurate, evidence‑based report that courts and solicitors can rely on. Our expertise ensures your borrowing capacity is presented clearly and realistically.

    Can the Mortgage Capacity Report Be Tailored to Specific Scenarios or Financial Changes?

    Yes. At Boon Brokers, we can tailor your Mortgage Capacity Report to reflect different scenarios or potential financial changes. This may include variations in income, maintenance payments, childcare costs, debt levels or deposit amounts. Scenario modelling helps the court understand how your borrowing capacity may change under different circumstances.