Fast Mortgage Capacity Assessment Reports From £199 Tel 0800 092 0800

Mortgage Capacity Assessment Report Letters and Calculations - helping you through your Family Court matters fast!

Specialist mortgage capacity letters/reports are used to assist parties in court marital proceedings. Visit our Mortgage Capacity Assessment Report Calculator here.

 

MORTGAGE CAPACITY ASSESSMENT Q&A's

Question: "My friend got divorced and didn't need to obtain a Mortgage Capacity Assessment Report?

Answer: Capacity Reports are now requested by judges serving the courts as a part of the process of assisting parties to reach a financial settlement, as of 1st April 2022 they are required for every case that is dealt with via Family Court proceedings in the UK.

Question: "There's another company offering reports for less money, why should I go with yours?"

Answer: The old adage of "you get what you pay for" applies in this case! We have seen reports at less cost that use long documents to download and complete in pen, emailed paperwork, reports that provide 10 pages of large print taking up loads of space but that are lacking in comprehensive details that would fail court approval. Our reports are lengthy, comprehensive and sadly contain much small print as they are stuffed with fine detail and analysis conducted using our online systems - no paperwork required. Hope this helps :-)

Question: "I have been asked by the court to arrange a capacity report of my financial circumstances,  but don't understand why I need one?

Answer: These are used by the Family Session Courts to help the Solicitors, on both sides, and the Judge make decisions on applicable financial matters. It cuts through all the dross involved in disputes over financial affairs.

Question: "Why can't I just list out my income and expenditure and supply some mortgage quotes to the court

Answer: In the eyes of the Legal Representatives and the Family Court it will be deemed as reliable expert source information, away from all the legal wranglings and potential arguments. A properly prepared Mortgage Capacity Letter by a professional advice firm offers clear and analysed data not subject to biased questions.

Question: "My bank says I can have a mortgage, why isn't that good enough

Answer: Professional Mortgage Capacity Assessment Reports are all bespoke and unique to a given set of circumstances and based on a qualified and independent assessed opinion of the circumstances at hand and can include alternative views. Banks aren't independent in their views, unlike independent practitioners like us

Question: "I have seen companies quoting 'fast and seamless' for my marital capacity report but then they are asking me to download forms and email paperwork - how do I know you are better?"

Answer: We are www.MortgageShop.com we have since 1998 been building online safe and fast systems - there are no downloads, no sending items by email just FAST online systems and comprehensive capacity reports. When you are ready our systems are ready 24 hours a day. It's what people need.

Question: "It's all just a load of words and numbers on paper, surely anyone can provide them without qualification

Answer: Qualified reports will help the court to assist in ensuring parties make and agree to lasting and relevant future financial planning arrangements ordered by the judge.

Question: "But I might need a mortgage on my own, but I might need it with a new partner, they can't do these

Answer: Reports work toward settling disputes between divorcing parties, regardless of new partners now being in situ, all the potential additional scenarios can be taken by a qualified practitioner into account.

Our Choice of Specialist Mortgage Capacity Reports.

SINGLE MORTGAGE CAPACITY ASSESSMENT £349

This capacity report includes the details of capacity to mortgage for one applicant, joint reports are however available - the single assessment report detail includes the following:

  • The details of what your likely level of maximum mortgage borrowing potential level is confirmed by a range of mortgage lenders currently present and showing favor to your overall financial circumstances.
  • Example mortgage illustrations including applicable fees and terms applicable - these confirm applicable monthly costs of borrowing applicable at this point coinciding with the maximum borrowing potential.
  • Confirmation of the result of affordability checks assessing fully all income and expenditure to lending scenarios offered.
  • A range of potential applicable financial scenarios and their affect to the potential to mortgage and for the maximum borrowing potential.
  • Reports are generated for the benefit of the court and not the client/instruction holder - this is to ensure impartial unbiased report generation is demonstrated.
  • All reports will confirm the necessary foundation data used to produce the comprehensive reports to provide transparency to the court process.
  • Single Mortgage Capacity Assessment Reports are usually prepared in 7 to 10 working days, faster is available, where required, by paying a fee to expedite.
  • To instruct us to produce this report please click this link.

JOINT MORTGAGE CAPACITY ASSESSMENT £600

This capacity report includes all the details as in the above single mortgage capacity assessment report however also covers Applicant versus Respondent circumstances including a Respondents new Partner:

  • The instruction of this report saves almost £100 when compared to the arrangement of two separate single reports.
  • Reports comply with the requirements set out in the Family Procedure Rules, part 25 for Experts and Assessors.
  • Joint Mortgage Capacity Assessment Reports are usually prepared in 9 to 14 working days, faster is available, where required, by paying a fee to expedite.
  • To instruct us to produce this report please click this link.

NO MORTGAGE CAPACITY ASSESSMENT £199

This report includes all the details of lack of capacity to mortgage to include coverage of:

  • Comprehensive confirmation of why you fail to have a capacity to mortgage.
  • Any adverse credit data that concludes the lack of mortgage capacity e.g. bankruptcy, County Court Judgements, Defaults, Missed Payments, Mortgage Arrears, etc.
  • Confirmation on market conditions to the applicant's maximum borrowing potential.
  • Comprehensive acknowledgment of current market lending criteria and how the applicant fails to meet approval from whole of market lender choice.
  • Confirmation of age, income and affordability complications leading to a reduced term of years of mortgage repayment only being available not suitable for applicants borrowing needs.
  • No Mortgage Capacity Reports are generated in usually 5 working days. More No Mortgage Report Info is Provided Here.
  • To instruct us to produce this report please click this link.

All of our Mortgage Capacity Assessment Reports feature a calculation of the high band of borrowing you could achieve and the list of 5 lenders with their respective maximum mortgage amounts to demonstrate your mortgage capacity. Mortgage Capacity Assessment Calculator for Divorce

ADDITIONAL SCENARIOS FOR A MORTGAGE CAPACITY ASSESSMENT £59, Also known as Mortgage Capacity Report Extras!

These reports allow for the inclusion of additional scenarios that could affect the SINGLE or JOINT MORTGAGE CAPACITY ASSESSMENT reports. Multiple additional reports can be purchased, the details of such are:

  • Differing Deposit Amounts.
  • Increase In Income, with an explanation of circumstances.
  • Decrease In Income, with an explanation of circumstances.
  • Increase In Debt, with an explanation of circumstances.
  • Decrease In Debt, with an explanation of circumstances.
  • Being In Position To Retain The Former Marital Home, FMH, with an explanation of circumstances.
  • Including Various Maintenance Payment Amounts.
  • To select the extras you need for your Mortgage Capacity Report first click on the report you need above, the extras will then be selectable on the next page

URGENT EXPEDITION FEE 5 Working Days £79

This addition allows for your qualified adviser to fit in and meet a fairly urgent situation you are in - For cases where Respondents have failed to adhere to a courts deadline quickly enough and a return of report sooner than our usual response time is required for SINGLE or JOINT MORTGAGE CAPACITY ASSESSMENT reports.

URGENT EXPEDITION FEE 3 Working Days £100

This addition allows for your qualified adviser to fit in and meet a very urgent situation you are in - For cases where Respondents have failed to adhere to a courts deadline quickly enough and a return of report sooner than our usual response time is required for SINGLE or JOINT MORTGAGE CAPACITY ASSESSMENT reports.

To expedite your Mortgage Capacity Assessment Report, faster than the standard service, first click on the capacity report you need above, the expedition options will then be selectable on the next page

FEE FREE MORTGAGE ARRANGEMENT FOR ALL MORTGAGE CAPACITY ASSESSMENT REPORT CLIENTS

All of our mortgage capacity report clients pay no broker fees to us for making a mortgage application on their behalf.

PAYMENT TERMS

To allow for the urgent nature of these reports we accept payment by Debit and Credit Card - payment by BACS, bankers direct credit, is also accepted - please see the details in our further correspondence to make bank to bank payments. Cheques are not accepted as a fast enough payment method for reports that require the speed that the courts require.


You can FREEPHONE us on 0800 092 0800 for us to take your enquiry or for speed you can talk to our online systems by making a Secure Enquiry - click here.

 
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Select what type of mortgage you would like us to look at for you below, if none are applicable please select Purchase. Our systems will automatically provide you with the most suitable rate for your circumstances from the details you supply.