Mortgage Capacity Assessment

Written by a fully qualified, regulated Adviser, from one of the
UK’s largest Financial Services Networks.

CLICK HERE TO ORDER YOUR REPORT

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4.6

Based on 75 reviews

St Barts Finance

4.6

NERA Lizard

12:16 25 Jul 22

I used St Bart’s finance few times, and I always get exceptional service.I get lots of help from James and Della.Very professional ,and friendly people.

debra lovell

12:32 20 Jul 22

5* serviceI 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.

Martin Bassett

06:02 01 Jul 22

Excellent service from start to completion on my remortgage, Katie was always available to answer any questions and make the process stress free. I would highly recommend her for any mortgage process as she is very professional, hard working and supports you through every step of the process.

Ivan Scardino

08:50 21 Jun 22

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!

Mark

14:21 25 May 22

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

13:52 19 May 22

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.

Kris Askew

10:33 12 Mar 22

We have worked with St Barts over several years now on property purchases and remortgages, and have found that they always offer honest advice and a quick, efficient, professional service. It’s fair to say we have brought some challenges to the table and Maria has always found a solution, with patience and perseverance. We would certainly recommend Maria and the team at St Barts.

Chanice Plews

07:02 25 Jan 22

Katie has been unbelievable! Going above and beyond with responses and dealing with others in our property purchase. Could not ask for anyone better! We have also recommended her numerous times.

Gary Waite

11:30 23 Jan 22

Katie was very helpful, always answered our questions promptly, very happy with the mortgage she got us. Would definitely recommend her and would use her again. Thank you

Beth Hawker

10:24 10 Jan 22

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.

Emma Fletcher

22:57 23 Dec 21

Amazing service Katie helped us every step of the way nothing was too much trouble answered all my questions promptly no matter when I sent them! Made a stressful life event run smoothly!From putting an offer on a house to completion took less than 8 weeks!! Definitely recommend 👍

Maira “maimai”

13:58 23 Dec 21

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.

Mario Perciani

18:42 20 Dec 21

Huge thanks to St Barts Finance, Andrea Leoni and Sarah Coley made the journey of buying my flat much smoother, highly recommend.

James Baker

14:31 03 Dec 21

I used David Clay from St Barts as my mortgage broker and I can't recommend him enough.After not getting anywhere with several other brokers David gave me excellent advice on how to get everything in order, he didn't rush anything and always had time to help. Eventually, I ended up getting a mortgage at a level I didn't anticipate was possible.Having worked in the property industry across London, Wiltshire, Hampshire and Surrey over the last 8 years I have dealt with several brokers and David is without doubt of the highest calibre.

Bonnie Hicks

10:29 01 Dec 21

I was lucky enough to choose St Bart’s Finance to help me to re-mortgage my property. I dealt with Andrea, who was very knowledgeable and thorough and kept me updated along the way. Sarah was also available for any queries I had. They have competitive rates. I would highly recommend.

Georgia Kain

10:07 01 Dec 21

Katie at St Barts Finance was a brilliant mortgage advisor when I was buying my flat. She answered all of my questions and explained everything that I didn't understand. She also chased a lot for me which made the whole process of buying a property go smoothly. I would definitely use Katie at St Barts Finance again. Thank you!

Chic Africanna

12:58 29 Nov 21

Zak Ahmed

09:35 27 Nov 21

Very good service from Brad - thank you

Charlie Kernan

14:07 19 Nov 21

Excellent service would recommend without hesitation

2dradon2

14:22 20 Oct 21

We were first time buyers and has an absolutely amazing experience from Katie.Always friendly and professional from day 1. Our advisor was almost always available for calls and emails with quick responses. She also did a wonderful job at keeping the process moving, including chasing up solicitors or anything else.100% would fully recommend. Now happy home owners!

Sam Hook

20:45 18 Oct 21

James and Janice at St. Barts Finance helped me through my first home purchase and they were incredibly helpful. Both were very well informed and were happy to take time and answer all my questions. Both of my parents have now also used their services for a purchase and re-mortgage with the same comments and I would recommend them to anyone. Many Thanks.

Craig B

13:44 21 Sep 21

I was recommended St Barts by a friend for me and my girlfriends mortgage and they were absolutely superb. Richard made what I thought would be a long and arduous process extremely simple, stress free and ultimately very successful. Everything was explained so we fully understood everything and I couldn't fault them one bit. Have already recommended St Barts to friends and I will continue to do so, and will be back in touch when we decide to move. Many thanks Richard and Roger for all your help, and we wish you all the best!

Leon Cullum

19:53 14 Sep 21

Richard has been fantastic throughout my dealings with him. I initially contacted Richard late on an evening and he responded to me immediately, confirming that he could assist. It was great to have someone so willing to help with an immediate response. I certainly didn't expect a response late in the evening, but it put me at ease knowing I had found someone to help. Richard immediately let me know what details he required and the report I needed was produced first thing the next day. The report was extremely in depth and very concise without containing lengthy paragraphs of legal jargon. My solicitor is also very impressed and plans to use Richard's services in the future. I have since returned to Richard for another report and again, he changed his schedule to assist me with something I needed sorting the same day. He completed the report and sent it straight over. I cannot recommend Richard enough and will highly recommend him to anyone who needs assistance with mortgages or any other financial concerns.

Miss Gleed

10:07 31 Aug 21

A huge thank you to Katie Hartley at St Barts Finance. You have been fantastic throughout the whole progress of buying and selling our properties and I don’t know where we have been without you!You kept us up to date with our mortgage process and managed to get us a great deal! You were informative, professional and responsive throughout mortgage application.You informed us of a great solicitor in which you chased to gain responses.Offered us help and advise on life insurance, again getting us another great deal.I would highly recommend the service. They have been super helpful, friendly, professional and overall a life saver to help deal with all the stresses.Once again a BIG THANK YOU!Regards,Steph & Dylan.

krishna parmar

06:47 31 Aug 21

Katie Hartley - Always helpful and gave regular updates in relation to the chain. One of the best brokers I have dealt with. Thanks Katie

Dahlia Lamy

18:50 07 Jul 21

We had the pleasure of working with St Barts Finance and can confidently say that they represent the best in the industry. They are the safe pair of hands you need to look after your interests. A special shout out to Maria Bolger and Taylor Shahi from the Poole office. They were professional, quick to respond, knowledgeable and genuinely cared about us. We highly recommend them and would not hesitate to give them our business again.

John Atkins

18:40 23 Jun 21

Brad from St Barts new what I was after from the beginning and couldn't help me enough thankyou

Olga Gnedojiene

14:53 23 Jun 21

Brad Fry is absolutely amazing! Excellent service and exceptional professionalism, very wide range of products in access, friendly and on time service! I definitely recommend to anyone! Many many thanks!

Steven Seston

09:54 14 Jun 21

Fantastic service provided by Brad at St Barts from start to finish. Would highly recommend.

Angela Hanratty

15:27 24 May 21

Absolutely outstanding service from everyone at st barts.Taylor and maria have kept us informed and supported us throughout the whole processI would highly recommend st barts and Maria to any one needing financial broker services and advice.

Michael Pomeroy-Robertson

18:09 19 May 21

A huge thank you to Ashley Rich, the level of service we received was absolutely exceptional. We were nervous first time buyers experiencing a challenging purchase and he was always on hand to give sound advice, always took the time to explain how things work and got us the best deal for our situation. I would strongly recommend Ashley and St Barts to anyone who has any mortgage needs! Looking forward to dealing with him again at renewal.

Michele Saladino

18:51 18 May 21

Amazing service provided from St Barts Finance and specifically from Ashley Rich.He has been a super star. Always transparent, professional, prompt on answering questions and extremely helpful.We were in a zoom call while he was sending our mortgage application, thing that I really appreciated.I was on furlough, with a tricky job contract and my girlfriend with a new job ( she had only 2 payslips), thanks to Ashley skills, we managed to get a mortgage offer on our first house and get a very good deal.We highly recommend his service.The only thing I've not been very happy is to have paid their fee before a mortgage offer had been accepted, even if we've been said that if the first attempt wouldn't went through, they would had given us the chance to try few more times.

Lucy Harvey

21:46 13 May 21

Me and my partner used St Barts Finance to help us get our first mortgage and they where brilliant! Katie was amazing nothing was too big a job, she was so efficient and responsive always there when we needed her. As a first time buyer they made the process very straight forward despite my partner having a default! Without them I’m not sure what we would have done! Thank you and a special thank you to Katie who went above and beyond for us! 5 star and If I could give more stars I would!

mily parveen

17:01 07 May 21

dina haloob

20:10 13 Mar 21

James Sherrard has looked after my financial needs for many years now with a complete, professional and personal service always. The whole team come highly recommended.

Daniel Taylor

11:19 23 Feb 21

I could not recommend Brad (Mortgage & Protection Adviser) enough. He has provided an outstanding service at every stage. It is never easy the house buying process (especially during a pandemic!), but having someone like Brad in my corner has made all the difference! We have had a very difficult and long purchase of our new family home but Brad was always on hand when l needed help and support. He never let me down and is a big part of the reason we have been able to complete on our new family home! Thanks Brad 🙂

Jack Fletcher

11:57 20 Feb 21

Outstanding service from James Sherrard, along with the help of Janice and Charlotte. The team were incredibly pro active, they managed to submit my application and produce a mortgage offer within a week. Absolutely recommend the team and James in particular.

Ben Salt

10:22 06 Feb 21

Outstanding service from start to finish. As a mortgage broker myself I can’t thank the guys enough. Despite a pandemic, breakdown of chain and unconventional income type they were able to helpme purchase my first home. Sarah and Richard were proactive in helping me overcome these issues and the customer service was outstanding. Couldn’t recommend more.

Iain Miller

12:40 27 Jan 21

Having used this company for two re-mortgages, I can thoroughly recommend them as professional, efficient and great value for money. James Sherrard did my mortgages and it was one of the least painful processes I have ever had to deal with, absolutely seamless!!Also a big thank you to the whole team... Steven, Richard, Marie, Charlotte, Andrea to mention but a few.

Akash Vadgama

10:12 18 Dec 20

I would like to say a massive thank you to Richard for sorting out our first time buyers mortgage for me and my wife. Also helping us along the way to securing our first ever home. Service has been superb from the beginning to the end. Who can forget Sarah for her humongous support assisting along the way relentlessly on the ball everytime I emailed or phoned, ready and waiting to help anytime I had a question or needed to sort out any tedious tasks, which can be daunting for any first time buyer. 110% for service and delivering on everything all the time. Your postive energy and can do attitude and continuous willingness to help, I feel delighted and at ease I chose St Barts Finance in Bournemouth to secure our home. Please give her a bonus and a pay rise and a promotion. She is asset and a great ambassador to your organisation. I have no doubts at all I will be using St Barts in the future, and of course I would recommend anyone to them, whether they are a first time buyer or not, to make sure to use them. You will not regret it. The rest of the colleagues have also been great as well throughout.

Marek Grygorczuk

16:18 06 Dec 20

Always brilliant.I have used St Barts Finance for several years.Maria Bolger have been incredible in helping me to buy my first home and remortgaging too.So appreciate of her help.I will definitely using them in future.

Gerald Roberts

20:38 30 Nov 20

Mandy Parker

17:51 11 Nov 20

I used Stephen Retter to help getting my mortgage and he was great. I am currently trying to get another and wouldn't use anyone else, Stephen is always happy to help.

Michelle Kielpinski

00:55 14 Jul 20

ionut-gabriel Mitel

21:02 02 Jul 20

Highly recommended!David mortgage advisor was very helpful, kind and quick response therefore would recommend to anyone who wants an advice!

Lesley Grant

17:49 18 May 20

Excellent efficient service so far from Brad.Would really recommend

Ali Rickwood

16:16 04 Apr 20

St Barts have been great! They provided me with reassurance; support and pep talks during the purchase of my flat. I am so glad I switched mortgage advisors to come to them and I will most definitely be using their services for my house in Salisbury. They explained the process clearly and repeated things when I was unsure.

James Scollard

10:08 21 Oct 19

As a local independent agency, we have been pleased working with St Barts Finance and all dealings have been professional. The updates and communications are important when processing mortgage applications and knowing the lenders criteria ensures a high probability of not only the best rates in the mortgage market place, saving people money, but also reduces the fall through rates and wasted time and expense. Keep up the good work.

Joy Wragg

16:25 16 Oct 19

St Bart’s Finance Ltd is a very professional yet caring company.From my initial inquiry concerning Retirement income planning and appointments with Ben James, I truly felt that I was listened to and that Ben worked with me taking time in discussing which option would be right for me to get to the satisfactory result I was hoping for.I am very grateful for their high standards and impeccable service. I highly recommend this company and will use them again when the need arises.Mrs J Wragg Poole

Sarah

13:24 16 Aug 19

Claire offers a great service, proactive, professional and very approachable. Would highly recommend!

Sarah

12:32 23 Jul 19

Claire offers a great service with friendly honest advice, would highly recommend!

Karen Burton

09:53 23 Jul 19

Super friendly and helpful. Answered all of our questions and got us a deal we are really happy with. Will definitely be recommending.

Sam knijff

12:52 08 Mar 19

always ready to help and friendly team

Jacob Mayer

09:07 08 Mar 19

Great service, Highly recommended.

Kieran Bednall

08:55 08 Mar 19

I have used St Barts Finance for many years and after a recent visit to the Poole branch It did not disappoint.

R HH

18:26 30 Oct 18

Remi Damiani

13:32 21 May 18

James Sherrard and his team did an excellent job in finding us a good mortgage that suited our needs. The service was highly professional, informative, friendly, and competitive. Thank you guys, job well done!! We will be returning customers!

David Mc

08:39 30 Apr 18

I have no hesitation in recommending James and the team at St.Barts. They have arranged 3 mortgages for me. Each time they've sorted out the best deal and made the whole experience as painless as possible. Thanks go especially to James.

Jon Middleton

16:51 22 Feb 18

I have used St Barts finance on many occasions and always found them very helpful with my remortages. They always keep me posted on any updates and made sure that the completion dates were kept to even when we had to change providers half way through !

Laura Brown

10:19 22 Feb 18

Highly Recomend Steve & His Team at st barts!They really do go over and above. I cannot thank them enough!

Dan Thomas

20:30 21 Feb 18

I've used these guys 4 or 5 times to arrange residential and buy-2-let mortgages. Steve and the team have never let me down and always work hard to find me the best deal on the market at the time. These guys certainly take a lot of the hard work out of arranging a mortgage. Will certainly use again and would recommend to anyone.

James Clift

11:18 21 Feb 18

Great advice and support from the whole team. I simply wont go anywhere else.

Carly Paton

08:30 21 Feb 18

Excellent company to use. They have access to better deals than I could ever find myself. They have saved me thousands on set up costs and interest rates on my mortgages. Why trawl through comparison websites and fill out endless forms when you can get St Barts to do it all and end up with a much better deal! Kept informed throughout.

Bradley Fry

08:19 21 Feb 18

We used St Barts to get our mortgage, they were very helpful and gave us great independent advice on which product would suit our needs. We also used the help to buy scheme and Steve helped us through the whole process. They took alot of the stress out of the process by keeping in contact with our solicitors and sellers, and chasing up anything that was going slowly. They also gave us advice on insurance and checked in with regular updates on how things were progressing and to answer any questions we had. We will definitely by using them again when it's time to renew our mortgage. Excellent service, highly recommended.

Kev Brown

08:15 21 Feb 18

After searching the big banks and building societies for a remortgage that fitted my needs without luck I thought a remortgage was out of my reach. That was until I found St Barts Finance, after one meeting with their friendly professional staff in their modern office we were on track with what I needed, four weeks later and the remortgage was completed saving me thousands of pounds and reducing my stress levels! The whole process from start to finish was handled by their team from dealing with my previous and new lender to chasing up the solicitor, I had regular updates whilst the team worked to greatly improve my finances. I will not go anywhere else for financial advice in the future.

Expect Best - Web Design

08:06 21 Feb 18

We have used St Barts Finance for both our property purchases and both times the service has been seamless and easy. St Barts helped us reach our potential for mortgage offers and found us an amazing product. Cannot recommend more highly.

Ellie Campbell

19:34 20 Feb 18

A local and friendly experience. Got a mortgage with £500 cash back. Employees know what they are talking about. Highly recommended service.

Andrew Dawson

09:50 20 Feb 18

Have used Steve and the team at St Barts for a number of years for Buy to Let Mortgages and Pensions advice. Have always found them to be efficient and easy to talk to. They also make things easy for you. They are easy to talk to and very professional. I would have no hesitation in recommending them. In fact I do, on a regular basis!

Leanne Tokely

20:32 19 Feb 18

Very happy with the help St Barts gave me regarding our mortgage. They made it easy for us to understand our options with our first mortgage and have provided support ever since, Thank you!!!

Rich

20:23 19 Feb 18

Fantastic service, thank you so much to the friendly St Barts team for all your help and advice. I've used them a few times and will definitely go back! Would recommend to everyone

Yvonne Turner

16:55 19 Feb 18

Always very pleased with the service received from St Barts. Have used them several times for mortgage advice and pension overviews. Would recommend to anybody.

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St Barts Finance LTD is an appointed representative of The Openwork Partnership Limited, which is authorised and regulated by the Financial Conduct Authority

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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 is plenty of templates and guides online each mortgage capacity assessment and report are different based on the client’s individual circumstance.

CLICK HERE TO ORDER YOUR REPORT

Example of a Mortgage Capacity Assessment

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 REPORTS FROM £195

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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.

Mortgage Capacity Assessment, Mortgage Repayment Plan

What information should I know to help my advisor 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 zoopla.co.uk or rightmove.co.uk. 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 advisor 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 advisor 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.

CLICK HERE TO ORDER YOUR REPORT

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.

CLICK HERE TO ORDER YOUR REPORT

Download a sample report here.

Mortgage Capacity Assessment

What is a Mortgage Capacity Assessment?

Why do I need a Mortgage Capacity Assessment?

Who completes the Mortgage Capacity Report and Research?

MORTGAGE CAPACITY REPORTS FROM £195

Mortgage capacity assessment what’s involved?

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

Property Value

Mortgage Amount

Investment Details

Pension Details

Income Detail

Potential Split

What is a Mortgage Capacity Report Scenario?

Assessment Costs

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