Mortgage Capacity Report – Helping You Move Forward with Confidence
Going through a separation or divorce? If you need clarity on your mortgage options after a relationship breakdown, a Mortgage Capacity Report can help. At Orchard Mortgage Solutions, we specialise in providing clear, detailed reports tailored to your situation—helping you take the next step with confidence.
What Is a Mortgage Capacity Report?
A Mortgage Capacity Report is a professional assessment of how much you may be able to borrow from a mortgage lender, based on your personal and financial circumstances. It’s often required during divorce or separation proceedings to assist with financial settlements.
Family courts and solicitors regularly request this type of report to establish what each party can afford when it comes to buying a new home or staying in the current property. It’s a key part of understanding your future housing affordability.
When Might You Need a Mortgage Capacity Report?
If you’re going through any of the following situations, a mortgage affordability report for divorce or separation may be essential:
- You’re separating from your partner or spouse.
- You’re involved in divorce or financial proceedings.
- You’re unsure if you can afford to stay in your home.
- You want to buy a new home but need to know your borrowing potential.
- A solicitor or family court has requested evidence of your mortgage capacity.
What’s Included in a Mortgage Capacity Report?
Our Mortgage Capacity Reports are clear, personalised, and easy to understand. Each report includes:
- An assessment of your income, expenditure, and financial commitments
- An estimated borrowing range based on current mortgage lending criteria
- A review of available mortgage deals and interest rates
- Supporting notes that help courts and solicitors interpret the report
- A professional declaration from a qualified mortgage advisor
Our goal is to give you the clarity you need to move on with your life, whether you’re buying a new home, staying put, or negotiating a financial agreement.
Why Choose Orchard Mortgage Solutions?
We understand that divorce and separation are difficult. You need honest advice, handled with care and empathy. At Orchard Mortgage Solutions, we offer:
- Friendly, understanding advisors who listen
- Fast turnaround times (usually within 3–5 working days)
- Reports accepted by courts and solicitors
- Transparent pricing and no hidden fees
- Ongoing support with your mortgage application if needed
We take the stress out of your situation, helping you focus on what matters—moving forward.
Is a Mortgage Capacity Report Legally Binding?
No, a mortgage capacity report is not a legally binding document. However, it is often used as part of a financial settlement in divorce proceedings. Family courts and solicitors value the independent, realistic mortgage assessments we provide, as they help all parties make informed decisions.
How Much Does a Mortgage Capacity Report Cost?
The cost of a report can vary depending on complexity. At Orchard Mortgage Solutions, we offer fixed-fee pricing, so there are no surprises. Please contact us for a personalised quote.
Frequently Asked Questions
Will this affect my credit score?
No. We do not run any credit checks as part of the report process.
How long does it take?
Typically, 3 to 5 working days once we’ve received all your details.
Do I need to go through court to request one?
Not at all. You can request a report yourself, or it may be requested by your solicitor.
Let Us Help You Take the Next Step
Separation is never easy—but planning your next move doesn’t have to be overwhelming. A Mortgage Capacity Report from Orchard Mortgage Solutions can give you the confidence and information you need to plan for the future.
📞 Call us today 01257 543013 to speak with one of our expert advisers
📧 Or use our contact form to arrange a no-obligation consultation
We’re here to support you through life’s transitions—every step of the way.
