How Much Does a Mortgage Capacity Report Cost?
Author: Jack Freestone
Finance Writer at Boon Brokers
Reviewed by: Gerard Boon
Managing Director at Boon Brokers
Most mortgage capacity reports cost between £100 and £300, although the exact price will depend on the type of report required, the complexity of your circumstances, and the provider you choose.
If you are going through a divorce or separation, then there are probably 101 questions that are racing through your mind. This is where a mortgage capacity reports (MCR) can help provide some answers.
In this article, we will walk you through the average price of a mortgage capacity report, what it will cover, and whether or not an MCR is worth the price tag. Let’s begin.
- Is a Mortgage Capacity Report Free?
- What Is the Price of a Mortgage Capacity Report?
- What Can Affect the Cost of a Mortgage Capacity Report?
- Are Cheap Mortgage Capacity Reports Worth It?
- Is a Mortgage Capacity Report Worth the Cost?
- Can You Get an Estimate for a Mortgage Capacity Report?
- Speak to a Mortgage Broker to Get a Mortgage Capacity Report
- Frequently Asked Questions
Is a Mortgage Capacity Report Free?
No, mortgage capacity reports are not usually free and must be completed by a regulated mortgage adviser.
Most providers will charge a fee because the report requires a qualified mortgage professional to assess affordability, review financial information, and prepare a formal document that can be relied upon during legal proceedings.
To create a mortgage capacity report, a mortgage professional may need to review your latest payslips (3-6 months), most recent P60, and bank statements (3-6 months).
At Boon Brokers, we can gather this information through your personal fact find form, meaning we typically do not require any additional documentation or supporting evidence.
As a general rule, mortgage capacity report pricing reflects the detailed work involved in assessing your financial circumstances and preparing an independent assessment that can be relied upon during financial remedy proceedings, settlement discussions, or legal proceedings.
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What Is the Price of a Mortgage Capacity Report?
The price of a mortgage capacity report will vary depending on the provider, with Boon Brokers offering mortgage capacity reports from £99.99.
It is important to note that there is no industry-standard fee. Reports involving multiple applicants, complex income structures, or additional affordability scenarios will typically cost more than straightforward assessments.
While some providers may charge more depending on the complexity of the case, Boon Brokers offers the following fixed-fee pricing structure:
| Report Type | Cost |
| Nil Mortgage Capacity Report | From £99.99 |
| Single Mortgage Capacity Report | From £124.99 |
| Joint Mortgage Capacity Report | From £199.99 |
| Additional Scenario Cost | £50.00 |
If you’re unsure which report applies to your circumstances, talking to a mortgage broker can help “dot the i’s and cross the t’s” to get your report started with ease.
Get transparent pricing and free expert advice to secure the report you need.
What Can Affect the Cost of a Mortgage Capacity Report?
Mortgage capacity report costs vary depending on the type of report, the complexity of your circumstances, and any additional work required.
Outside of costs set by different providers, the main factor that will influence the cost of a mortgage capacity report is the complexity of the case.
While some mortgage capacity assessments can be completed relatively quickly, other cases may require additional analysis, supporting information, or multiple affordability scenarios. Each additional analysis or requirement can increase the time required and influence the final fee.
Ultimately, not every mortgage capacity report requires the same level of work. To help explain this, we’ve created a mortgage capacity report cost breakdown that highlights some of the most common reasons why one report may cost more than another:
| Factor | Simpler Case | More Complex Case |
| Number of People | Assessment is for one person only | Separate affordability reviews are required for both applicants |
| Income Type | Standard PAYE employment with consistent income | Self-employed income, bonuses, dividends, benefits, or maintenance payments require additional review |
| Credit History | Strong credit profile with no adverse history | Missed payments, defaults, CCJs, or other credit issues require more detailed analysis |
| Different Scenarios | One affordability position is assessed | Multiple hypothetical scenarios are requested for court or mediation purposes |
| Turnaround Time | Standard delivery timeframe | Urgent reports required within 24 – 48 hours may involve additional work |
As the table demonstrates, one common factor that can influence the cost of a mortgage capacity report is the number of affordability scenarios being assessed.
The key thing to remember is that every case is different. The best way to get an accurate estimate is to speak with a mortgage broker who can assess your personal circumstances and explain which type of report is likely to be most suitable for you.
Are Cheap Mortgage Capacity Reports Worth It?
Yes. A cheaper mortgage capacity report can still provide excellent value, provided it is professionally prepared by a qualified mortgage adviser.
Ultimately, the key to a good and reliable mortgage capacity report is not down to the cost, but who is preparing the report.
Regardless of cost, the most important factor when it comes to a mortgage capacity report is that it has been prepared by a qualified mortgage adviser with whole-of-market access.
Solicitors and the court will place greater weight on mortgage reports that have been prepared by FCA-regulated mortgage brokers who hold recognised qualifications such as CeMAP.
Before choosing a provider to create your MCR, it is worth asking the following questions:
- How many mortgage capacity reports have you completed before?
- Do you have experience working on divorce and financial settlement cases?
- What information will be included in my report?
- Can you assess different borrowing scenarios if I need them?
- How long will it take to receive my report?
- Is the report prepared by a qualified and FCA-regulated mortgage broker?
- Can the report be used during court proceedings if required?
At the end of the day, the purpose of a mortgage capacity report is to help establish what mortgage would be realistically achievable in your circumstances.
Choosing a provider with the right experience and qualifications can help ensure that the report provides all the information that you, your solicitor, and the court need when making important financial decisions.
Is a Mortgage Capacity Report Worth the Cost?
Yes. If you’re facing a divorce or separation, a mortgage capacity report is worth the cost as it provides a realistic assessment of your borrowing potential that can support the financial settlement agreement.
In most cases a mortgage capacity report is invaluable because it helps answer one of the most important questions during a divorce or separation: what could I afford on my own?
The true value of a mortgage capacity report is often found in what it helps outline. By providing an assessment of your likely borrowing potential, an MCR can help you, your solicitor, and the court gain a clear understanding of what may realistically be achievable when it comes to affording a home.
Common Scenario
- Problem: Following a divorce, one person wants to remain in the family home but is unsure whether they could afford the mortgage on their own.
- Solution: A mortgage capacity report will provide a professional assessment of their borrowing capacity and can be used during financial negotiations or court proceedings to establish whether remaining in the family home is financially possible.
As such, one of the biggest benefits of a mortgage capacity report is that it can provide clarity around your borrowing position and future housing options. And in practice, it can help:
Support financial negotiations during a divorce or separation- Provide evidence that may be used during court proceedings
- Clarify how much you may be able to borrow
- Help you understand your future housing options
Support financial negotiations during a divorce or separationUltimately, a mortgage capacity report can help provide evidence during financial settlement discussions, ensuring decisions are based on realistic borrowing figures rather than simple assumptions.
Can You Get an Estimate for a Mortgage Capacity Report?
Yes. Most mortgage brokers can provide a cost estimate before any work begins, especially if you can provide a brief overview of your financial circumstances.
It’s important to note that some providers will offer fixed-fee pricing, while others may quote on a case-by-case basis depending on the complexity of the report.
At Boon Brokers, we can often provide an estimate for your mortgage capacity report during your initial call.
If you are comparing quotes, it’s worth making sure you understand exactly what is included in your report. A lower starting price may not always include additional affordability scenarios, urgent turnaround times, or ongoing support if you need to discuss the report afterwards.
Speak to a Mortgage Broker to Get a Mortgage Capacity Report
A qualified mortgage broker can help you choose the right mortgage capacity report, explain the process, and ensure your report is professionally prepared for your circumstances.
Securing a mortgage capacity report is not simply a case of producing a borrowing figure on paper. The report needs to be completed by a regulated mortgage adviser to accurately reflect your borrowing capacity.
At Boon Brokers, our experts can prepare mortgage capacity reports for individuals, couples, solicitors, and family law professionals across the UK. We can complete reports with one-working-day turnaround from payment, helping you obtain the information you need without unnecessary delays.
To learn more about how mortgage capacity reports work, when they are used, and what information they provide, read our complete guide to mortgage capacity reports.
Frequently Asked Questions
Do I Have to Pay Upfront for a Mortgage Capacity Report?
Yes. In most cases, payment is required before a mortgage capacity report is prepared. However, before any payment is taken, your mortgage broker should first discuss your circumstances, recommend the most suitable type of report, and explain the costs involved.
At Boon Brokers, we’ll arrange an initial conversation to understand your circumstances, explain the different report options available, and provide an estimate before you decide whether to proceed.
Do All Mortgage Capacity Reports Cost the Same?
No. The cost of a mortgage capacity report can vary depending on the provider, the type of report required, and the complexity of the assessment.
Is a Mortgage Capacity Report a One-Off Cost?
Yes. A mortgage capacity report will usually be charged as a one-off fee covering the assessment and preparation of the report. Any additional costs would normally only apply if further affordability scenarios, updates, or amendments are requested after the original report has been completed.
Can I Use a Free Online Calculator Instead of a Mortgage Capacity Report?
No. Free mortgage calculators online are only designed to provide a broad estimate of your potential borrowing power and cannot typically be used as evidence during any financial negotiations, financial settlement discussions, or court proceedings.
Jack Freestone
I’m an established content writer at Boon Brokers, where I write and publish financial and mortgage-focused content across the UK property and lending marketplace. My work covers topics including first-time buyers, remortgaging, equity release, and wider market developments affecting borrowers. I hold a Master’s degree in English Literature from the University of Bedfordshire, graduating with distinction. Since then, I’ve worked across freelance, agency, and in-house roles, building experience writing across a range of subjects, with a focus on topics that directly affect everyday consumers. Today, my writing focuses on making complex financial topics clearer, more practical, and easier for everyday readers to understand.
