Mortgage Capacity Reports for Divorce & Separation

Understand your mortgage options and borrowing capacity

If you are going through a divorce or separation, understanding your future mortgage capacity can be an important part of reaching a financial settlement. Purley Mortgage Solutions provides professionally prepared Mortgage Capacity Reports assessing how much you may be able to borrow based on your individual circumstances and mortgage lender criteria available at the time of assessment.

Request a Mortgage Capacity Report

What is a Mortgage Capacity Report?

A Mortgage Capacity Report provides a written assessment of your potential ability to obtain a mortgage. We consider your circumstances, including:

Income and employment or self-employed income, Existing financial commitments, Dependants and regular expenditure, Available deposit or anticipated property equity, Credit history, Age and appropriate mortgage term, Current mortgage lender affordability and lending criteria, Potential monthly mortgage repayments, Where appropriate, the report will identify lenders and mortgage options that demonstrate the level of borrowing that may currently be available.Mortgage Capacity Reports for Divorce Proceedings

Mortgage capacity can be an important consideration when deciding whether either party may be able to retain the family home or purchase an alternative property following separation. Our reports can be provided directly to individuals or prepared following a request from their solicitor. The completed report can be shared with your family-law solicitor and, where appropriate and subject to the requirements of the solicitor and court, may assist with financial discussions or proceedings.

Why Purley Mortgage Solutions?

Your report will be prepared by Ria Ali, CeMAP-qualified Mortgage Adviser with 18 years’ experience in mortgage advice.Ria has experience assisting clients going through divorce and separation and is an Associate member of Resolution, the community of family justice professionals.

Our aim is to provide a clear and practical assessment of mortgage capacity that explains both the available options and any factors that may restrict borrowing.

Need a Mortgage Capacity Report?

Whether you have been asked to obtain a report by your solicitor or simply want to understand your potential mortgage position before discussing a financial settlement, we can help.

Request a Mortgage Capacity Report

Contact us today and we will explain the information required, the fee for preparing your report and the expected timescale.

Important information

A Mortgage Capacity Report is an assessment based on the information supplied to us and mortgage lender criteria available at the date of the report. It is not a mortgage offer or a guarantee that a mortgage will be available. Any subsequent mortgage application will be subject to the lender’s affordability assessment, credit checks, lending criteria, property valuation and full underwriting. Mortgage products, interest rates and lender criteria can change. Mortgage Capacity Reports do not constitute legal advice and we do not provide advice regarding the division or valuation of matrimonial assets.

The Legal stuff…

We may charge a broker fee for mortgage advice. The fee payable will depend on your circumstances and will be confirmed before you proceed. Typical fixed fee is £479 for a single report.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The guidance and/or advice contained in this website is subject to UK regulatory regime
and is therefore restricted to consumers based in the UK.

Purley Mortgage Solutions is a trading name of Prestige Enterprises Ltd which is an appointed representative of Primis Mortgage Network a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.