Mortgage Capacity Report

What is a Mortgage Capacity Report?

A Mortgage Capacity Report is a detailed, in-depth assessment of your mortgage borrowing capacity. These reports can provide invaluable information if you are in the process of a divorce or separation. Each Mortgage Capacity Report will be tailored to your individual circumstances and scenario.

At Mortgage Capacity Reports, we can look at multiple scenario’s based on different income and expenditure levels prior to or following a divorce or separation. We provide several options to obtain your report. This can be through a Video Meeting, Telephone Call, or you can complete the required information forms and send these to us.

• Definitive – The mortgage capacity assessment report provides a definitive overview of your borrowing capability. We provide affordability capacity from researching over 70+ lenders on the market. Each Bank has their own specific policy on lending, therefore some Banks will lend more or less than others. This is why it is beneficial to get a report from an independent provider who researches the market.
  
  
• Dependable – Mortgage Capacity Reports can provide invaluable credibility to the court staff or judge dealing with your separation or divorce. Having a clearer picture on your borrowing capabilities could assist in finding a suitable financial settlement.

• Factual – The mortgage capacity report will work off the factual information that is provided by yourself or your solicitor. This will then be used to provide real time information on maximum borrowing capacities across a range of lenders. The report will also include other costs to be considered such as insurances, estate agent costs and tax implications.

• Practical – A mortgage capacity reports provides a practical and affordable method of backing up your financial capabilities. The report can also give guidance on multiple scenarios depending on different levels of income/expenditure prior to or post separation.

• Flexible – We can provide flexible meeting times to work around yourself. We provide a free video consultation prior to ordering your report. This gives you the chance to speak with us directly prior to making any decision on proceeding. 

Who needs a Mortgage Capacity Report?

A mortgage capacity report can be essential when starting the process of divorce or separation. This will give you a clear idea of your mortgage options and borrowing capability based on present or future scenarios. The report will provide a clear path to what is achievable under different financial circumstances and could be paramount to negotiating post separation financials. 

Why MCR?

Mortgage Capacity Reports LTD was set up by three full qualified, independent, whole of market mortgage brokers. With over 40 years combined experience in the mortgage industry, this provided the perfect background to help clients going through divorce and separations. Graham, John and Nick, have worked alongside solicitors for several years to produce the highest quality of mortgage capacity reports.