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The Family Courts in the UK now require separating or divorcing couples to establish their financial capacity to achieve a mortgage based on their new financial position, after divorce or separation.

Yes. Fairfield Finance is authorised and regulated by the Financial Conduct Authority (FCA reference number 501376).

We are qualified and experienced mortgage brokers specialising in mortgage capacity reporting for family law matters. Our mortgage capacity reports are prepared to a professional standard suitable for use within legal proceedings and are regularly relied upon by solicitors and the courts in matters relating to the family home, secure housing, and mortgage affordability.

We have also acted in the capacity of expert witness in court proceedings and are recognised within the legal sector as a credible and professional provider of mortgage capacity assessments.

Our reports are clear, evidence-based, and designed to assist the court in understanding an individual’s realistic mortgage borrowing position and rehousing options. 

We have been offering mortgage advice for over 30 years and pride ourselves on tailoring the best of the available mortgage products to your needs.

With our decades of experience and our ability to look across the 100s of mortgage products available on a daily basis we provide you with a credible, thorough, polite and professional service (see what our clients say about us further down the page).

• Single Report £250.00
  This is a standard Mortgage Capacity Report based on your unique financial position after divorce.
• Joint Report £350.00
  This takes into account both parties to establish the joint financial position of the divorcing or separating couple.
• Nil Mortgage Report £250.00
  This is a standard or single report which establishes that you are unable to support mortgage repayments after divorce or separation, based on the information you provide us.

Useful Reading - Divorce Later in Life

“James and his Team provide bespoke mortgage capacity reports for use in financial proceedings. The speed with which they are able to produce their reports and the flexibility of the parameters they are able to incorporate within their reports makes them the stand out provider to whom I resort every time”

Neil Graham of G & G Law

“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

“Fairfield Finance provides an excellent mortgage capacity report service within financial remedy matters. They are quick, affordable, and very reliable. James and the team are always happy to help with any concerns or queries.”

Dylan Gregory, Jennings Solicitors

“James gets it done, with minimum fuss and maximum results. Excellent communication, and he gets out in front on all the potential issues. I was going through a divorce and pretty much needed a miracle to keep my properties. This guy delivered. I was so pleased, I asked him to let me write a review. He’s a good guy.”

William Johnson

“I contacted James for a mortgage capacity report, he explained the process and pointed me towards the contact form on the website to add my details. No long phone call or meeting, it was so quick and simple to do. I’d explained the report was needed for the following day and James had it back to me within 24 hours. I was then asked to provide a report on various different scenarios, James was again more than helpful, having this back to me within the same day. I won’t hesitate to recommend to friends and family, fast friendly and extremely helpful service!”

Jennifer Stanger

“James helped me a few times with a few different Mortgage Capacity Reports that I was needing along the way during my divorce. The deadlines were always super tight but James always turned it around swiftly. I am very happy with his services and I highly recommend him.”

Joao Duarte

“Thank you for your swift and efficient service. Straightforward request form for Mortgage Capacity Report. Prepared within 1 day and excellent value. I would not hesitate to recommend your service.”

Jacquie Birkett, Birkett & Co

“I have instructed James multiple times to provide reports in Family Court proceedings on a party’s mortgage-raising capacity. I have always found him to be quick to respond, generous with his time in helping to resolving queries and reasonable in his charges.”

Family Law Solicitor, London

“I appreciate the quick turnaround and the high quality appraisal.”

Simon Edwards

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