Mortgage Capacity Report
Know what you can borrow, in writing.
A mortgage capacity report from a mortgage adviser, built from your own documents. It shows how much lenders whose criteria we hold might lend you, with the workings, so you can plan with real figures.
Mortgage Capacity ReportYour borrowing position
Prepared for you by a mortgage adviserThe layout of your report. Your figures come from your own documents.
Please read first. This service is not regulated by the Financial Conduct Authority. The report is not a personal recommendation for any particular type of mortgage or product. Any figure in it is subject, at the time of a future application, to full credit checks, evidence of earnings and affordability, lender eligibility and criteria, and prevailing interest rates, all of which may change.
What the report covers
It is useful when you need to show your borrowing position, for example when separating from a partner, planning a purchase, or preparing for a conversation with a solicitor or lender.
- Your income, assessed the way lenders assess it for your employment type: employed, company director or sole trader.
- Your commitments and outgoings, and how they change what you can borrow.
- An estimate of potential borrowing under current lender criteria, with the workings shown.
- The assumptions we used and anything that could change the result.
- A list of the documents we reviewed.
What we will ask you for
Choose the one that describes how you earn. The client pack has the full checklist, and every route follows the same simple format.
If you are employed
- Payslips for the last 3 months, including any second job
- Your latest P60
- Proof of bonus, commission or overtime, if it forms part of your pay
- Your contract or offer letter, if you started recently or are on probation
- Personal bank statements for the last 3 months
If you are a director of your own limited company
- SA302 tax calculations and tax year overviews for the latest 2 years
- Company accounts for the latest 2 years
- Corporation tax computations for the same years
- Your shareholding percentage
- Business and personal bank statements for the last 3 months
- Your accountant's name and email
If you are a sole trader
- SA302 tax calculations and tax year overviews for the latest 2 years
- Business and personal bank statements for the last 3 months
- Your full tax return, if you have more than one source of income
- Your accountant's name and email, if you use one
- The date you started trading and what the business does
Everyone also sends: photo ID, proof of address, your latest mortgage statement if you have one, details of any loans and credit cards, and a credit report. The pack tells you how to get each one.
How it works
- Get in touchMessage us and we will send you an invoice for £250 and the client pack. Or download the pack below.
- Pay and complete the packPay the invoice, complete the questionnaire, sign the service agreement and send us your documents.
- We prepare your reportWe aim to send it within 5 working days of receiving your payment, signed agreement and documents.
Download the client pack
Eight pages: how it works, your document checklist, a short questionnaire, the service agreement and a signature page. Complete it on screen or print it.
Please note: the report is an estimate of potential borrowing on the information you provide and on lender criteria at the date of the report. Lender criteria change and every lender makes its own decision, so the report is not a guarantee that any lender will lend. It is not a mortgage offer or an agreement in principle. It is not legal, tax or accountancy advice.