Mortgage capacity reports
Mortgage capacity reports: clarity about what you may be able to borrow.
A clear, evidence-based mortgage capacity report for divorce, separation, mediation, financial discussions or future housing plans — prepared by experienced, whole-of-market mortgage advisers.
A practical financial assessment
What is a mortgage capacity report?
A mortgage capacity report assesses the level of mortgage borrowing that may be available to an individual or couple based on their income, commitments, deposit or equity, credit profile, age, mortgage term and current lender criteria.
It can help everyone involved understand whether a proposed housing arrangement appears financially realistic, what assumptions have been used and which factors may affect the amount available.
If you only need an initial illustration, try our how much can I borrow calculator or use our mortgage repayment calculator to explore possible monthly repayments. These tools provide illustrations only and do not replace a formal mortgage capacity report.
What the report provides
A structured snapshot of potential borrowing capacity at the time of assessment. It is not a mortgage offer, formal valuation, legal opinion or guarantee that a lender will approve an application.
When a report may help
Built for clearer property and settlement discussions.
The report can be commissioned by an individual, both parties, a solicitor, mediator or other professional adviser, subject to the agreed scope and instructions.
Divorce or separation
Understand whether either party may be able to retain an existing home, buy another property or raise funds through a mortgage.
Mediation discussions
Bring an independent mortgage affordability assessment into discussions before a final housing proposal is agreed.
Solicitor instructions
Provide a structured report using the financial information and scenarios set out in the agreed letter of instruction.
Future housing plans
Assess whether a proposed purchase price, deposit and mortgage amount appear realistic before decisions are made.
Transfer of equity
Consider whether one person may be able to take responsibility for the existing mortgage, subject to lender approval.
More complex income
Review employed, self-employed, contractor, pension, benefit or other acceptable income against relevant lender approaches.
What we review
A report grounded in the details that lenders actually assess.
The exact scope depends on the report selected and the information available.
Income and employment
Salary, overtime, bonus, commission, self-employed earnings, pensions, benefits and other income where relevant.
Credit commitments and expenditure
Loans, credit cards, maintenance, childcare, dependants and other regular commitments that can affect affordability.
Deposit, equity and property assumptions
The funds available, proposed property value, mortgage required and relevant loan-to-value position.
Term, age and repayment basis
How the proposed term, retirement position and capital repayment or interest-only basis may affect available options.
Lender criteria and affordability
A review across appropriate high-street and specialist lender approaches available at the time of assessment.
Written findings and limitations
A clear explanation of the indicative outcome, assumptions, material limitations and points that may require further evidence.
Clear fixed fees
Choose the report you need.
We confirm the scope and fee before starting. Bespoke, expert-witness or unusually complex instructions may require a separate quotation.
Nil mortgage capacity report
Where the initial review confirms that no realistic mortgage capacity is presently available, we can prepare a concise written nil-capacity report.
- Single applicant assessment
- Key affordability factors reviewed
- Written outcome and assumptions
- Fee confirmed after initial review
Standard single capacity report
A detailed assessment of one person’s potential borrowing position using an agreed property, deposit or equity scenario.
- Single applicant affordability review
- Whole-of-market lender research
- Indicative borrowing range
- Written assumptions and limitations
Joint borrowing capacity report
For an assessment of the potential mortgage capacity of two applicants borrowing together under one agreed scenario.
- Two-applicant affordability review
- Combined income and commitments
- Indicative joint borrowing range
- Written assumptions and limitations
Important: The above charges apply specifically to the preparation of mortgage capacity reports. The Mortgage Hive does not charge an advice fee for its normal mortgage advice service. Where a solicitor, mediator or court requires a particular expert format, Part 25 compliance, attendance, answers to written questions or other work outside the standard scope, we will review the instructions and provide a separate quotation before accepting them.
How it works
A straightforward four-step process.
Tell us what is needed
Send your enquiry, the required scenario and any letter of instruction or deadline.
Provide the information
We confirm the documents and financial details needed for the agreed assessment.
We research the position
An adviser reviews affordability and relevant lender criteria using the supplied information.
Receive the report
We issue the written report, setting out the indicative outcome, assumptions and limitations.
Mortgage capacity reports Bournemouth and Poole
Speak to an experienced mortgage adviser, not a report factory.
Our team combines local knowledge with access to a broad range of high-street and specialist lenders. We can assess straightforward employed income as well as more complex situations involving self-employed income, variable earnings, later-life borrowing, credit issues or multiple financial commitments.
The assessment is based on the facts and lender criteria available at the time. Where a future mortgage application is appropriate, our fee-free mortgage advice service can help you explore the available next steps.
Frequently asked questions
Mortgage capacity reports explained.
Need a clear view of your mortgage capacity?
Tell us who the report is for, the scenario that needs assessing and any deadline or professional instructions. We will confirm the appropriate report, documents and fixed fee before starting.
A mortgage capacity report is based on the information supplied, the agreed assumptions and lender criteria available at the time of assessment. It does not constitute a mortgage offer, legal advice or a guarantee of future lending. Mortgage availability, interest rates and lender criteria can change. Your home may be repossessed if you do not keep up repayments on your mortgage. The Mortgage Hive Ltd is authorised and regulated by the Financial Conduct Authority, FCA number 844138. Registered in England and Wales, company number 11458136. Registered office: 707B Wimborne Road, Winton, Bournemouth, Dorset, BH9 2AU.