Mortgage Capacity Reports

If you require a Mortgage Capacity Report, we can help. It could save you thousands in legal fees!


As a fully qualified financial adviser, we can provide you with a comprehensive report which will be accepted by solicitors and the Courts and will also give you peace of mind.


Dedicated to providing individuals and family lawyers with details of mortgage borrowing for divorce purposes. Many clients use the report as a starting point for their discussions regarding financial settlements including as part of DIY divorce kits.


I can also advise and provide mortgages for Equity release or retirement mortgages for the over 55’s. Often, the need for income is not considered and they could lend or release capital based primarily on the property valuation and type


Benefits of instructing a Mortgage Capacity Report for divorce purposes:

  • Adds weight to your demands on the ‘marital pot’.
  • Endures over the course of divorce proceedings.
  • Provides fairness and clarity where mortgage options are concerned.
  • For Court purposes the reports adhere to the Part 25 of the Family Procedure Rules as set out by the Ministry of Justice.
  • Our expert is able to appear at Court if the report is questioned by the Judge or opposing party.

What is a Mortgage Capacity Report?

A Mortgage Capacity Report can be very useful in family Court proceedings and can often have a direct impact on any settlement.


Your in-depth report will provide a detailed investigation into what mortgage you or your partner is likely to be successful in obtaining post separation. It is a personal and bespoke report based on your circumstances and the nature of your financial separation.

Why do I need to use an Independent Mortgage Adviser?

Your Mortgage Capacity Report will be used by your Solicitor and or the Courts to help make assessments with regards to future finances. With such important financial decisions at stake, we believe it is essential you employ a professional and experienced company in order to produce your report.


Within the assessment report we are able to give a clear indication of a client's maximum mortgage borrowing ability, monthly cost and more importantly the amount of mortgage they can actually afford to maintain.

If you require your own as well as your partner's mortgage capacity for divorce purposes then we may be instructed on a joint basis. This provides you with one report detailing both parties mortgage capacity for one fee.


If you would like to speak to us about producing a Report for you, your partner or your client, please get in touch. We can provide a no obligation conversation on how we can help.

Or if you are ready to request your report, here are your next steps:

Step 1 - provide us with all relevant details by filling in a Request Form

Step 2 - make payment by card using the relevant payment link below

Please make sure you complete both steps above (i.e. submit the request form and make payment) to avoid any delays in receiving your report.

“I phoned Fairfield Finance and my call was answered by James who was helpful in respect of my enquiry. I instructed him to prepare a mortgage capacity report on behalf of my client. The report was required urgently for a hearing which was 4 working days away. James was able to turn it around quickly and he provided the report the next working day. His fees are also very reasonable.”

Stephanie Clifton, John Hooper & CO Solicitors

“I contacted Fairfield Finance for a report as part of the divorce process and was extremely impressed with the depth and breadth of James’s knowledge and expertise. I have bought and sold several properties over the years, and never used a mortgage advisor previously but will definitely return to him for advice on suitable mortgage products in the future.”

Lisa Ayling

High Street and specialist lenders considered 

Any questions, do not hesitate to contact us:



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