Mortgage Capacity Assessment Report

Written by a fully qualified, regulated Adviser, from one of the UK’s largest Financial Services Networks.
Liz Gordon
Liz Gordon
June 26, 2023
I needed to set up a personal pension and was quite anxious about the whole procedure but Chantelle Dean at the Ashley Cross office was so helpful and friendly, she put me at ease. She really listened to my concerns and explained everything clearly. There was no hard sell. I now have confidence that I have the right pension fund for me. Highly recommended.
Andrew Partridge
Andrew Partridge
May 24, 2023
Maria Bolger was the epitome of professional throughout the course of our transaction. She was attentive, worked quickly and ensured all implications of entering into the mortgage were understood. Would highly recommend to anyone looking obtain funding for property purchases.
Antonina Kheinchtein
Antonina Kheinchtein
December 11, 2022
Great professional assistance from St Barts Finance team . Excellent knowledge of products and efficient service.
debra lovell
debra lovell
July 20, 2022
5* service I have used St Barts Finance for the first time having been highly recommended to them. I cannot thank or praise the team of James and Della highly enough - we had quite a challenge in seeking several remortgages at a hugely busy time with interest rates changing daily etc. James provided very prompt illustrations and managed to secure the best offers available for us, receiving full illustrations within 48 hours, mostly the same day, having gone through all our finances and our requirements for the future at the outset. On securing the offers from the various lenders, Della's due diligence in chasing, updating us weekly, was superb and we have finally secured all the loans we set out to achieve with St Barts Finance. Dealing with some of the conveyancing companies proved a little challenging but Della always sorted the issues promptly and efficiently, keeping us updated at all times. Huge praise and thanks to James and Della for your professionalism, courtesy, swiftness and approachability at all times in looking after Steve and myself in managing all our expectations to completion - what a superb team you are and one that I would highly recommend to anyone I know, or indeed out there, who need financial advice.
Ivan Scardino
Ivan Scardino
June 21, 2022
Outstanding service from Andrea along with Charlotte, both of them very professional and caring, they helped me and kept me updated throughout all the process. I would definitely recommend them and St Barts team!
May 25, 2022
During the height of the "race for space" Ashley Rich was extremely helpful in the purchase of my first property. He was professional and attentative throughout the mortgage application, he explained everything and managed to get me a fantastic rate. He even went the extra mile to call the odd estate agent who was adamant on ensuring my finances were in place when viewing. I can't thank him enough and I will certainly be using Ashley again when moving home in the future.
robin dolton
robin dolton
May 19, 2022
We have used St Barts for all our purchases and Re-mortgages over the past 8 years. Richard and his team are always really helpful and the process is painless. Would very much recommend.
Beth Hawker
Beth Hawker
January 10, 2022
James and the team have helped us massively through really difficult property sales. They always had our best interests at heart and are great communicators! Couldn't recommend them enough.
Maira “maimai”
Maira “maimai”
December 23, 2021
As first time buyer, I thought it would be very stressful find the right mortgage, but I understood I was in good hand and would not have any kind of stress when Andrea patientelly dedicated to me a lot of time to explain me what I must know about mortages and gave me the oportunity to choose the right mortgage, I am very satisfy about this. Sarah was very kind and keep me updated at any time at any stage of the procedure, always available to answe at any of my queries. Richard ensured that I have the right insurances after my purchase. Competitive rates and money very good spent, I would highly recomend St Barts finance. I thank you all the staff for the support received.
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What is a Mortgage Capacity Assessment?

Mortgage capacity report produced from £195. A mortgage capacity report is an in-depth report detailing the amount and type of mortgage you are likely to get after a divorce or separation. Even though there are plenty of templates and guides online each mortgage capacity assessment and report are different based on the client’s individual circumstance.
mortgage capacity report

Why do I need a Mortgage Capacity Assessment?

The Capacity Report is most commonly used during divorce or separations. In most cases, this is requested by the courts to do decide on financial splits of existing assets. This report will not only give you an element of peace of mind and allow you to plan your future post-separation but will be able to detail different outcomes based on varying financial splits.


Who completes the Mortgage Capacity Report and Research?

The mortgage capacity report needs to be deemed credible. At St Barts Finance we are an experienced mortgage brokerage and financial planner with the correct qualifications in place. This ensures that your mortgage capacity assessment is deemed credible by solicitors and the courts.


Mortgage capacity assessment what’s involved?

This is completely dependent on your own personal circumstances and the complexity of your separation. There are many factors that can affect the outcomes of the reports and every potential scenario should be covered to ensure that you get a fair settlement from your separation.

What information should I know to help my adviser generate a mortgage capacity report?

There is some key information that you need to know to ensure that your report can be started. There are potential variable scenarios that you should consider, based on maintenance payments, childcare and your current work situation (if that needs to change to support your family).

Property Value

Understanding the value of your property is crucial in most cases the equity in their marital home and buy to let properties is their biggest asset.

You can get a rough guide on property prices by using helpful tools on property websites like or We would also recommend getting your property valued by a local estate agent who has a proven track record within your area.

Mortgage Amount

You will need to know the outstanding balance of any mortgages you currently have residential and buy to let mortgages must be included.

Doing this is a simple task and you can ring your current mortgage provider(s) or log on to your online portfolio.

Investment Details

When building your capacity report your investments come into consideration.

Not everyone has investments but if you do an up-to-date value or statement is beneficial when building a credible clear mortgage capacity report.

Pension Details

This is a joint total of pensions and the current values underpin many separation cases and pension is split as part of the financial settlement.

This is something your solicitor will advise you on in more detail. Ringing your pension provider or HR department will give you the details of these funds and the values we need to complete your mortgage capacity assessment.

Income Detail

We would ask you to understand all earned and unearned income that you receive.

This will allow us to build the capacity report and potential scenarios if you had to reduce or increase your working hours post-divorce and how this would affect your potential mortgage borrowing in the future.

Potential Split

This is a question for your solicitor. Not that it will be set in stone but you and your solicitor will normally have a rough idea of how the assets are going to split.

This is not always 50/50 as most imagine and is completely dependent on your individual circumstances.

What is a Mortgage Capacity Report Scenario?

Your report will include one scenario as standard after that you and your solicitor may decide you would like additional scenarios based on variants within the divorce or separation proceedings.

  • Child Custody
  • Maintenance Payments
  • Benefit Payments
  • Child Care Costs
  • Working Arrangements

There are 100’s of potential scenarios that could happen when divorce/separations take place. You will not need a scenario for every possible outcome but working with your solicitor and your adviser at St Barts Finance we will be able to look at the likely scenarios that you could be faced with post-divorce.

To speak to a qualified mortgage adviser in more detail about your Mortgage Capacity Assessment contact the team at St Barts Finance on 01202 520 550 or use our online appointment booking solution.

Mortgage Capacity Reports are not part of the Openwork offering and are offered in our own right. Openwork Limited accepts no responsibility for this aspect of our business. Mortgage Capacity Reports are not regulated by the Financial Conduct Authority.

Assessment Costs

We charge a flat fee of £195.00 for a Mortgage Capacity Report (which includes arranging a mortgage for you when/if the time is right). If you require several different scenarios (as specified by the court), we charge an additional £50.00 per scenario.

One of our six, employed Mortgage Advisers, will tailor your report to your requirements. Our advisers have over 25 years of experience and have previously worked for Halifax, Nationwide, Virgin Money and HSBC.

We will try to produce your report within one week, but if you need it urgently, we can produce the report within 48 hours at an additional cost of £50.00. If you would like to confirm the exact fee payable, please get in contact and we will be able to confirm this for you.