Mortgage Capacity Reports
for Family Law Proceedings
Court-ready. Fixed fee. Next working day.
CeMAP qualified · Resolution Associate · Member, Expert Witness Institute (MEWI) · FPR Part 25 / PD25B compliant
FOR INSTRUCTING SOLICITORS
Why solicitors instruct Chapman directly
Instruct the person who writes the report — and skip the large-firm surcharge.
- Fixed, transparent fees. £99 for a full report, £29 per additional scenario, £29 for a rewrite. No hourly billing, no surprises.
- Straight to the expert. You deal directly with the qualified professional preparing your report, not an account manager.
- Next working day. Reports returned the next working day as standard.
- Court-ready and compliant. Every report meets FPR Part 25 and PD25B for use in financial remedy proceedings.
THE REPORT
What a mortgage capacity report shows
A mortgage capacity report sets out, on an evidenced basis, how much each party is likely to be able to borrow after separation — the figure the court needs when deciding how housing and assets are divided. Chapman assesses each party’s income, commitments and circumstances against current lender criteria and gives a clear, defensible figure, with additional scenarios where the matter calls for them.
Three ways to begin
Clear, fixed options — so you always know where you stand before you commit.
- Free online estimate. An instant, no-obligation online estimate of likely borrowing capacity.
- Free indicative report — for mediation only. A fuller written estimate to support the mediation process, at no charge.
- Full mortgage capacity report — £99. The court-ready report for use in proceedings. Additional scenarios £29 each; rewrite or update £29. Returned the next working day.
FEES AND OPTIONS
How it works
- Complete the online questionnaire — around 12 minutes, with no payment to start.
- We prepare your report, ready the next working day.
- View your report online.
- Pay the fixed fee to unlock it for download and printing.
One place for the expert reports you can’t do in-house
Chapman is building a single, dependable home for the expert reports family law firms need again and again. Mortgage capacity reports come first; more report types are on the way, and firms who instruct us regularly will benefit from preferential pricing.
The highest standard, the most competitive prices, and the least effort on your part — on every report.
THE PROCESS
About the expert
Every report is written and signed by one person — the qualified expert who carries out the work, not a name passed along a chain. That expert is a CeMAP-qualified professional, a Resolution Associate and a Member of the Expert Witness Institute (MEWI). You deal with them directly, from instruction to delivery.
Frequently asked questions
Do you cover the whole of England & Wales?
Yes — reports are prepared for proceedings across England and Wales.
What’s the difference between the free estimate, the indicative report and the full report?
The free online estimate is an instant ballpark figure. The free indicative report is a fuller written estimate, available for mediation only. The full mortgage capacity report is the court-ready document used in proceedings.
How is borrowing capacity worked out?
Against current lender criteria, using each party’s income, commitments and circumstances.
Can you model more than one scenario?
Yes — each additional scenario is £29.
Can the report be updated later?
Yes — a rewrite or update is £29.
Do I have to instruct through a solicitor?
No — solicitors, mediators and individuals can all instruct directly.
Instruct Chapman on your next report
Start with a free online estimate — no cost, no obligation.