Single report
For one person who needs to show the court what they can borrow.
£495
5 working days
- Maximum borrowing across a panel of lenders
- Affordability and stress test
- Example mortgage illustrations
- Part 25 compliant expert declaration
For divorce & financial remedy proceedings
A court-ready mortgage capacity report, without the paperwork.
Answer a few questions online, upload your documents, and receive an expert report in 5 working days. From £295.
Instructing as a solicitor? Start an SJE instruction
FCA regulated broker
FPR Part 25 compliant
1,200+ reports delivered
4.2 day average turnaround
Which report do I need?
Three questions, one clear answer.
Question 1 of 3
How many people need assessing?
What's in the report
Every figure explained, every assumption shown.
Section 01
Maximum borrowing
What each lender on our panel would lend, from cautious to best case.
Section 02
Affordability check
Monthly costs measured against real income and outgoings, with stress testing.
Section 03
Mortgage illustrations
Example rates, terms and monthly repayments for the realistic range.
Section 04
Assumptions & evidence
The documents relied on and every assumption made, for full transparency.
How it works
Fully online, from start to finish.
1. Answer questions online
About 15 minutes. Save and come back any time.
2. Upload your documents
About 10 minutes. Secure, encrypted upload.
3. Receive your report
5 working days, or 2 with Express.
Pricing
Fixed prices. No surprises.
Joint / SJE report
One report covering two or more parties, ideal for single joint expert instructions.
£795
7 working days
- Separate assessment for each party
- Side-by-side comparison
- Neutral, court-focused wording
- Answers to written questions within 10 days
Nil capacity report
For someone who clearly cannot borrow, explaining why in plain terms.
£295
3 working days
- Evidence-based explanation of nil borrowing
- Lender criteria referenced
- Short, focused format
- Part 25 compliant expert declaration
Additional scenarios — £95 each. A different deposit, income, debt, maintenance level, or keeping the family home.
Express add-on — £150. Delivered in 2 working days once we have your documents.
For family law solicitors
Instruct in minutes. Track every case.
Single joint expert instructions, invoice payment for firms, and reports written to Part 25 with our duty clearly owed to the court.
Instruct us- Pay by invoice on firm accounts
- Letter of instruction accepted by upload
- Written questions answered within 10 days
- One dashboard for all client instructions
“Clear, well-reasoned and delivered ahead of our hearing date.”
“I finally understood what I could afford. The process was painless.”
“Our go-to for SJE capacity evidence. Questions answered quickly.”
Common questions
What is a mortgage capacity report?+
An independent expert assessment of how much someone could realistically borrow, whether it would be affordable, and what it would cost each month. It is written for solicitors and the family court.
Is this mortgage advice?+
No. The report is an expert opinion for the court. It is not a recommendation to take out a mortgage and is not a mortgage offer.
Can both parties use the same report?+
Yes. Our Joint / SJE report assesses two or more parties in one document, which is common where the court directs a single joint expert.
What documents will I need?+
Usually recent payslips, a P60 or SA302s and accounts if self-employed, three months of bank statements and, if available, your Form E.
What if I can't borrow anything?+
Our Nil capacity report explains clearly, with reference to lender criteria, why borrowing isn't currently possible.
Ready when you are.
Start online today. Save your progress and come back whenever you like.
Start your report