james@fairfieldfinance.com         020 8747 9590



Mortgage Capacity Reports

Why do I need a mortage capacity report?

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.


Are we credible?

Yes, Fairfield Finance is regulated by the Financial Conduct Authority FCA reference number 501376. We are qualified mortgage brokers and we can issue a certificate (mortgage capacity report) for the courts which is credible in court. We have also been asked as expert witness in such matters in court and we are recognised officially by the courts as professional and credible and our reports are accepted in legal proceedings relating to the family home/secure housing/your mortgage capacity.


Our expertise:

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.


In safe hands:

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).


Types of report explained:

  • Single Report £195.00
    This is a standard Mortgage Capacity Report based on your unique financial position after divorce.
  • Joint Report £295.00
    This takes into account both parties to establish the joint financial position of the divorcing or separating couple.
  • Nil Mortgage Report £195.00
    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.

What our clients say:

“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

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

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

Simon Edwards

High Street and specialist lenders considered 



If you are looking for a Relationship Coach, Divorce Coach & Family Relationships Coach, we highly recommend Audrey Zeitoun