Mortgage Capacity Assessments

Mortgage Capacity Assessments

Clear, Independent Mortgage Evidence for Family Court Proceedings

During divorce or financial settlement proceedings, understanding what each party can realistically borrow is critical. A Mortgage Capacity Assessment provides clear, independent, and court-appropriate evidence of borrowing capacity, helping solicitors, barristers, and the court reach informed and fair decisions.

Prepared using current lending criteria and professional adviser expertise, these assessments go far beyond online calculators or informal lender conversations. They are designed specifically for use within the Family Court process and are suitable for scrutiny at every stage.

Why Use a Professional Mortgage Capacity Assessment?

• Robust and Court-Appropriate: The reports are prepared specifically for Family Court use and are far more suitable than online mortgage calculators or informal lender opinions, which are not designed for legal proceedings.
• Authoritative: An FDR Mortgage Capacity Assessment adds weight to negotiations and provides judges with a clear, professional view of realistic borrowing capacity.
• Transparent and Detailed: While no specific lender or product is recommended, reports include: Affordability calculations, Illustrative repayment examples, Comparisons of fixed and variable interest rates, Likely mortgage-related costs, A Decision in Principle where appropriate.
• Fixed-Fee and Proportionate: Clear service levels and fixed fees are agreed in advance, with no hidden costs. Discounts apply where an earlier indicative assessment has already been completed.
• Bespoke to Your Circumstances: Each assessment is tailored to the individual or joint financial position, with the ability to model multiple scenarios or provide updates where circumstances change.