Your borrowing,Evidenced.
An Agreement in Principle backed by calculations from multiple lenders and a full report explaining our reasoning. Prepared for separation and divorce, financial settlements, mediation and court proceedings, so decisions about the family home are based on evidence rather than estimates.
One clear price for the report to be prepared, agreed in writing before we begin. No hourly rates and no surprises.
What the report covers
We create an Agreement in Principle using calculations from multiple lenders, along with a full report explaining our reasoning and rationale. Everything is based on your actual income, commitments and circumstances.
An Agreement in Principle from a lender, showing the borrowing your circumstances can support.
Affordability calculations from several lenders, so the figure reflects the wider market rather than one lender’s view.
Illustrative monthly payments at current rates, over different terms and deposits.
How spousal maintenance, child maintenance, benefits and other income would be treated by lenders.
Keeping or buying out the family home, rehousing after a sale, or borrowing with a family member.
A full written report explaining how we reached our conclusions, in plain English for you, your solicitor, your mediator and, where needed, the court.
How it works
We can be instructed by you directly, by your solicitor, or jointly by both parties.
We confirm who the report is for, what it needs to cover and the date it is needed by.
You provide details of income, outgoings, debts and any maintenance, with supporting documents.
We run calculations with multiple lenders and obtain an Agreement in Principle.
A signed and dated report setting out our reasoning, with the Agreement in Principle and lender calculations attached.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
One party wants to buy out the other. The report shows whether the borrowing needed is achievable on their own income.
Both parties need a home after the sale. Separate reports set out what each could borrow towards a new property.
One party runs a business. The report explains how different lenders would assess their accounts.
One party will receive maintenance. The report shows which lenders accept it and on what terms.
Frequently
asked questions
What is a mortgage capacity report?
An Agreement in Principle supported by calculations from multiple lenders and a full report explaining our reasoning and rationale. It shows how much you could realistically borrow and is most often used when couples separate and need to decide what happens to the family home.
How much does it cost?
Our fee is £675 for the report to be prepared. We confirm the fee and what the report will cover in writing before we begin.
How long does it take?
We agree a delivery date when you instruct us and work to your mediation or court timetable. Having your documents ready is the quickest way to receive your report.
Will it affect my credit file?
An Agreement in Principle usually involves a credit search. Many lenders use a soft search that does not affect your credit score, and we will tell you before any search is made.
Can the report be used in court?
Reports are prepared so they can be shared with solicitors, mediators and the court. Whether and how a report is used in proceedings is a matter for your solicitor and the court.
Is the report a mortgage offer?
No. An Agreement in Principle is not a mortgage offer and lenders can change their criteria. When you are ready to proceed, we can arrange the mortgage itself.
Request a report
Tell us about your situation and when the report is needed. Your enquiry is handled in confidence.
A mortgage capacity report and Agreement in Principle are not a mortgage offer. Figures reflect lender criteria at the date of the report and may change. Lending is subject to status, lender criteria and individual circumstances at the time of application. Artillium does not provide legal advice.