Clarity in Uncertain Times

At Topaz Financial Planning, we understand that major life changes—such as divorce, separation, or starting fresh—can bring financial uncertainty. Our Mortgage Capacity Assessment Report is designed to give you a clear understanding of your borrowing ability, helping you plan your next steps with confidence and clarity.

 

What Is a Mortgage Capacity Assessment Report?

A Mortgage Capacity Assessment Report is a detailed, independent analysis of how much you are likely to be able to borrow from a mortgage lender, based on your current financial situation. It is often used in legal proceedings, particularly family court cases, to demonstrate housing affordability following a financial separation or divorce.

This is not a mortgage agreement or decision in principle—it's a professional, impartial estimate grounded in real lending criteria.

 

What’s Included in the Report?

Our report provides a clear and comprehensive breakdown of your borrowing capacity, including:

• ✅ Income assessment (salary, benefits, self-employment income, etc.)

• ✅ Outgoings review (existing mortgages, debts, household expenses)

• ✅ Affordability estimate aligned with current lender criteria

• ✅ Assumptions explained (interest rates, terms, expenses, etc.)

• ✅ Realistic borrowing range and potential monthly repayments

• ✅ Supporting documentation for use in legal proceedings or financial negotiations

 

Who Needs a Mortgage Capacity Assessment?

Our reports are tailored for individuals and professionals who need a clear view of mortgage affordability:

• Divorcing or separating individuals

• Solicitors and mediators involved in financial settlements

• People planning to buy or remortgage after a life change

• Those involved in court proceedings where housing plans must be justified

 

Why Choose Topaz Financial Planning?

With years of experience supporting clients through life transitions, Topaz offers:

• ✔️ Impartial, FCA-regulated financial expertise

• ✔️ Court-ready reports trusted by legal professionals

• ✔️ Discreet, confidential service at a sensitive time

• ✔️ Quick turnaround times and transparent pricing