Mortgage Capacity Reports
-
£99
-
Delivered Within 24 Hours
-
Fully Court Compliant
A mortgage capacity report is an independent expert assessment of how much a person could borrow on a mortgage, prepared for use in divorce and family court proceedings. Courts, solicitors and mediators use it to make fair decisions about the family home. Help Network produces court-compliant mortgage capacity reports for a fixed £99 (plus £29 for additional scenarios if required), delivered within 24 hours of receiving your information.​
MEWI Full Member · Resolution Associate · FPR Part 25 / PD25B Compliant · CeMAP Qualified
What your Report Includes
-
A fully compliant report of your realistic mortgage borrowing capacity, fully explained and supported.
-
Written as a judge-preferred legal document, Including the declarations and Statement of Truth prescribed by Practice Direction 25B.
-
An ESIS illustration of the highest affordable mortgage, where appropriate.
-
One free rewrite, so the report stays relevant if your negotiations change
How it works
-
Book your report — complete our short form. It takes about 12 minutes. Nothing is paid at booking — your fee is invoiced later.
-
Send your details — income, outgoings and commitments through our secure intake form.
-
Receive your report within 24 hours — court-ready, emailed to you, and to your solicitor if you wish.
Who needs a mortgage capacity report?
Mortgage capacity reports are used by people going through divorce or dissolution where the family home is in question. They are often directed by the court at a First Appointment, or requested by solicitors and mediators to evidence what each party could realistically borrow before decisions are made about who keeps the home and how equity is divided.
Why professionals choose Help Network
Every Help Network report is prepared by a Full Member of the Expert Witness Institute and Resolution Associate, and structured to comply fully with Part 25 of the Family Procedure Rules and Practice Direction 25B — including the expert's declaration of duty to the court, the conflict-of-interest statement and the prescribed Statement of Truth.
​
The fee is fixed at £99 (plus £29 for additional scenarios if required) with no hourly billing, turnaround is 24 hours from complete information, and reports are used in family courts across England and Wales.
Frequently asked questions
-
How much does a mortgage capacity report cost? — A mortgage capacity report from Help Network costs a fixed £99, plus £29 for additional scenarios if required. The fee includes a free credit analysis and one free rewrite if your circumstances or negotiations change, and nothing is paid at booking — you are invoiced later. Elsewhere in the UK, reports typically cost £119–£300.
-
Why do I need a mortgage capacity report? — Courts and solicitors need reliable evidence of what each party could borrow before deciding how to divide the family home. A capacity report provides that evidence independently, so settlement decisions rest on realistic figures rather than estimates.
-
What is a mortgage capacity report? — It is an independent expert assessment of the maximum mortgage a person could realistically obtain, based on their income, outgoings, credit position and lender criteria, prepared in a format suitable for family court proceedings.
-
How is mortgage capacity calculated? — Capacity is assessed from your income (including complexities such as self-employment, benefits and maintenance), your financial commitments, your credit profile, and current lender affordability criteria — not a simple income multiple.
-
How quickly can I get a mortgage capacity report? — Within 24 hours of Help Network receiving your completed information.
-
Is a mortgage capacity report accepted by the court? — Reports are prepared to comply with Part 25 of the Family Procedure Rules and Practice Direction 25B, including the prescribed expert declarations and Statement of Truth, and are used in family courts across England and Wales.
-
Is a mortgage capacity report the same as a mortgage in principle? — No. A mortgage in principle is a lender's indication for a specific application. A capacity report is an independent expert assessment across the market, designed as evidence for court and settlement negotiations rather than as a loan application.
​
​