Mortgage Capacity Reports From Only £49.00
We genuinely understand how hard it can be when relationships break down. The Court journey is stressful and never straight forward, so we have everything here to make the journey a little easier and understandable for you.
Court-Ready Mortgage Capacity Reports - Fast, Affordable & FCA Compliant
Helping individuals, solicitors& mediators across the UK with fixed fee, court accepted reports.
What is a Mortgage Capacity Report?
A Mortgage Capacity Report is a professional assessment that shows how much you could realistically borrow from a mortgage lender, based on your income, outgoings, credit commitments, and other financial factors.
It’s not a mortgage application or agreement — it’s an evidence-based report used to help courts, solicitors, or mediators understand your financial position.
What We Offer
We offer a bespoke range of services to meet the individual needs of every client wherever you may be in the process.
Fixed Fees - Fast Turnaround - Trusted By UK Courts
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Complimentary Affordability Appointment – Free
Available Immediately
We understand how stressful and overwhelming the court process can feel — and we know you probably have questions. That’s why we offer a completely free, no-obligation appointment to talk through your situation.
You’ll have the chance to speak directly with a caring, fully qualified mortgage expert who will listen, explain your options clearly, and guide you toward the right report if needed.
Whether you're just starting out or deep into proceedings, we're here to help.
📞 Call us today on 01344 421333 for a confidential and supportive chat.
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Basic Mortgage Capacity Report – £49.00
Turnaround: 1–2 working days.
This report is designed for those just starting out — perhaps you're speaking to a solicitor, or you're early in the separation process and want a rough idea of what you might be able to borrow.
It’s based solely on the information you provide, without document checks, and is a great first step if you're not quite ready to commit to a full report.
Please note: this is not suitable for court use, but ideal for informal discussions or planning.
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No Mortgage Capacity Report – £129.00
Turnaround: 2–3 working days
If you're unable to obtain a mortgage due to your current financial situation, this report provides clear, professional evidence to confirm that to the court or your solicitor.
It’s often required in divorce or child arrangement cases where it’s important to show that buying or maintaining a mortgage isn’t financially viable.
We carry out a full assessment and document the reasons why a lender is unlikely to approve a mortgage for you at this time.
This report can help prevent unrealistic expectations and protect you from financial strain during legal proceedings.
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Single Mortgage Capacity Report – £99.00
Turnaround: 2–3 working days
This is our most commonly requested report and is ideal if you’re going through divorce or separation and need to show the court or your solicitor what you can realistically borrow on your own.
We’ll carry out a full assessment based on your verified income, outgoings, and credit commitments.
It’s designed to give clear, accurate evidence of your mortgage capacity, and is fully suitable for court proceedings, mediation, or legal negotiations.
Prepared by a fully regulated mortgage adviser and accepted by UK family courts.
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Joint Mortgage Capacity Report – £149.00
Turnaround: 2–3 working days
This report is for situations where two people are being assessed together — often used when ex-partners are still financially linked or considering purchasing a property jointly after separation.
We’ll carry out a full affordability check based on both applicants’ verified income and commitments, then provide a clear, court-ready assessment of your joint borrowing power.
It’s ideal for cases where financial arrangements between both parties need to be shown together.
Fully suitable for court use and prepared by a regulated mortgage adviser.
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Multiple Scenario Mortgage Capacity Report – £199.00
Turnaround: 3–5 working days
Sometimes, life isn’t straightforward — and neither is your financial situation. This report is designed for more complex cases where the court or solicitor needs to understand how your mortgage capacity might change in different scenarios.
For example, it can show how your borrowing potential varies if your income changes, if childcare costs increase, or if you relocate.
It’s particularly useful in negotiations or court hearings where flexibility and future planning are key.
Each scenario is carefully assessed and documented, giving a clear, evidence-based view of your options.
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Absolute Maximum Borrowing Report – £229
Turnaround: 3–5 working days
This is our most detailed report, created for situations where the court or your solicitor needs to see the highest possible mortgage you could obtain, based on full market research.
We use your verified financial information and apply it across a wide panel of high street and specialist lenders to find your true borrowing limit.
If your case depends on proving the maximum you could afford, this premium-level report gives you the confidence and clarity needed. We can also include a formal Agreement In Principle if required.
Ideal for high-stakes financial negotiations or where precise affordability evidence is critical.
Clarity When You Need It Most
Court-ready Mortgage Capacity Reports, handled with care.
Expert Mortgage Reports for Court & Peace of Mind
Fast. Accurate. Trusted.Helping You Move Forward, One Step at a Time
Specialist mortgage capacity reports for life’s biggest changes.Trusted by Solicitors. Accepted by Courts. Made for You.
Clear, Compassionate Guidance During Divorce & Separation
Know Where You Stand — Court-Approved Mortgage Reports, Fast.
Supportive. Regulated. Ready to Help.
When Are Mortgage Capacity Reports Used?
Mortgage Capacity Reports are most commonly used in:
Divorce or separation proceedings
Financial settlement hearings
Child arrangement or relocation cases
Mediation or solicitor-led negotiations
They provide the court or legal representatives with independent, factual evidence about whether you can afford a mortgage — either to stay in the family home, buy out a partner, or purchase a new property on your own.
How Does It Help You?.
✅ Supports your legal case with expert evidence
✅ Provides clarity on your borrowing options
✅ Reduces stress and uncertainty in an already difficult situation
✅ Helps with financial planning for your next steps
✅ Used by solicitors and accepted by courts across the UK
Every report is prepared by a qualified, FCA-regulated mortgage adviser, ensuring accuracy and professional credibility. If you're unsure where to begin, we also offer a free, no-pressure affordability appointment to talk things through.
The small team at Think Mortgages Ltd have overseen thousands of mortgages and offer over 100 years combined experience in the mortgage industry.
The team genuinely care and will be happy to discuss the issues you are experiencing with a view to dusting you down and leaving you in the best financial position.
We will hold your hand through the entire process and would be delighted to assist in finding you a fresh mortgage when your matters can progress.
Our Process
Find Out More About You
We will complete a fact find together to provide us with a detailed overview of your situation. We can chat on the phone, by Teams and dependent on where you live we even offer home or work appointments.
We will be able to advise on the most suitable report.
Document Request
We will provide you a list of documents that we will require allowing us to run your detailed affordability calculators and to provide evidence for the court.
Affordability Calculators
When we have your documents, we will be in the position oif beiung able to run detailed mortgage affordability calculators to determine how much you can borrow. We run calculators with around 30 mortgage lenders.
Produce Reports
We will provide you a list of documents that we will
We are always happy to chat - We are only ever a phone call or email away. We are also happy to discuss the situation with your solicitors and keep them informed of the position.