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Protea Financial Services

8 Deneside

East Dean

BN20 0HU

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+44 333 3556295 (local call rate)+44 333 3556295 (local call rate)



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Mortgage Capacity Reports

Mortgage Capacity Reports can be extremely useful in family Court proceedings, as they can often have a direct impact on any settlement ordered.


As Court Experts, we are bound by the duties as set out in Part 25 of the Family Procedure Rules, and we regularly provide reports for family law practitioners and in some cases we provide these directly to clients.


When solicitors are uncertain about what the client/s' situation is likely to be then our research can determine what the most likely mortgage borrowing will be based upon a number of different scenarios. This is especially appropriate when finances are being disputed.


Examples can include agreements about how debts are to be split, maintenance, or when the divorcing parties are finding it difficult to decide whether to pursue other matrimonial assets. Understanding how these decisions could affect mortgage capacity can help these negotiations. Ensuring the client is fully aware of how financial decisions made now may affect their ability to obtain a mortgage in the future should be vital to all divorce negotiations.


Narrative and confirmation of clients’ most likely maximum mortgage borrowing ability and more importantly, the amount of mortgage they can actually afford to maintain are included in the assessment report.


Details of any relevant mortgage criteria and general costs of any potential mortgage will also be included. As Independent Mortgage Brokers, a range of mortgage providers are contacted to ensure that our reports are based on accurate, current and plausible results.


The results of our reports, including narrative about any anomalies in the figures, means that clients and their solicitors have realistic, useable mortgage borrowing information that can be used effectively and with confidence at Court.


If you would like to see a sample of an anonymised report, or if you would like to consider instructing us, please click here, and we would be delighted to help. As a Resolution member, we are strongly in favour of collaborative law.


Mortgage Capacity Reports are not part of Julian Harris Mortgages Ltd’s offering and are offered in our own right. Julian Harris Mortgages Ltd accepts no responsibility for this aspect of our business and Mortgage Capacity Reports are not regulated by the Financial Conduct Authority.


Court Experts are subject to the Court system and as such need to comply with their duties as experts as set out in Part 25 of the Family Procedure Rules.



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The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Protea Financial Services is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155 © Anthea Pienaar.