Court-Compliant Mortgage Capacity Reports
Bespoke, independent assessments for divorce and separation proceedings. Trusted by family law solicitors across London and Surrey.
What is a Mortgage Capacity Report?
A Mortgage Capacity Report (MCR) is a detailed, factual assessment of your ability to obtain mortgage finance following a divorce or separation. During financial settlement negotiations, you will usually be asked to complete a Form E.
The Family Court requires concrete, independent evidence of your future housing options. A simple high street mortgage calculator or a basic Agreement in Principle (AIP) is not sufficient, as they do not provide a detailed breakdown of affordable payments or factor in complex scenarios like maintenance payments and differing equity splits.
Why do courts prefer the same adviser for both parties?
Courts and mediators highly recommend that both parties instruct the same independent adviser to conduct their respective reports. This ensures absolute consistency in how lending criteria are applied to the matrimonial assets and removes any potential for bias, allowing for a fair and transparent division.
What is included in your report?
- Maximum Borrowing Capacity Clear, evidence-based figures on exactly how much you can borrow across 90+ lenders.
- Comprehensive Illustrations Detailed cost breakdowns on a repayment basis, as well as interest-only illustrations where criteria allow, including APRC and fee data.
- Court-Compliant Declarations Every report contains a signed Statement of Truth and Experts Declaration, fully compliant with Family Procedure Rules 2010, Part 25.
- Nil Capacity Evidence If you cannot obtain a mortgage, we provide the formal documentation required by the court to prove this.
Why Choose Lloyds?
We offer a premium, fully manual assessment backed by over 25 years of industry expertise. We are the preferred, trusted partner for leading family law solicitors across London and Surrey, known for delivering absolute compliance for court and Financial Dispute Resolution (FDR) hearings.
Rapid 48-Hour Turnaround
We understand the strict deadlines imposed by the courts. Once we receive your complete financial fact-find, your finalised, court-ready PDF report is delivered securely within 48 hours.
Fully Qualified Experts
Cheap calculators often misunderstand complex incomes. Every report is manually researched by a human adviser holding the Certificate in Mortgage Advice (CF6) and extensive financial planning qualifications.
Transparent Pricing
We believe in straightforward, flat-fee pricing with no hidden costs.
Individual Report
Comprehensive assessment for a single party.
Both Parties
Two separate, detailed reports (£200 per individual).
Nil Capacity
Formal evidence proving an inability to secure a mortgage.
Start Your Instruction
Submit your initial details below via our fast-track messaging system. We will review your enquiry immediately and reply via a secure, encrypted email to safely request your sensitive financial documents (such as your Form E or bank statements) before commencing work.