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Mortgage Capacity Service 

Mortgage Capacity Service

Clear, supportive guidance when you need to understand your borrowing power during separation or divorce. 

 
What Is a Mortgage Capacity Report? 

A Mortgage Capacity Report (sometimes called a Mortgage Capacity Assessment) outlines how much you may be able to borrow based on your income, commitments, and financial circumstances. Itis often required during divorce proceedings, mediation, or financial negotiations, helping you demonstrate what is realistically achievable when planning your future housing arrangements. 

 
At One Roof Financial, we specialise in providing clear, reliable reports that help you move forward with confidence. 

  

Why People Come to Us 

Separation can be overwhelming, especially when you are trying to understand what your future home might look like. Our service is designed to give you: 
•   A clear picture of your borrowing capacity 
•   Evidence you can use in court or mediation 
•   Independent, expert mortgage advice 
•   A supportive, judgement free experience 
 

We’ve helped many clients navigate this stage with clarity and reassurance, and we’re here to do the same for you. 

  

What Our Mortgage Capacity Service Includes 
 

  1. InDepth FactFind Meeting.

We take the time to understand your full financial situation, income, commitments, dependants, credit profile, and future plans. This ensures your report is accurate, realistic, and tailored to your circumstances. 

 
2. Comprehensive Mortgage Research. 


We review the mortgage marketplace to identify what lenders may be willing to lend based on your situation. This includes: 
•   Affordability assessments 
•   Lender criteria checks 
•   Stresstested borrowing calculations 
•   Consideration of future changes (e.g. maintenance payments) 
 

3. A Formal Mortgage Capacity Letter. 


Your final report is presented in a clear, professional format suitable for: 
•   Court hearings 
•   Mediation sessions 
•   Solicitor negotiations 
•   Financial planning discussions 
It outlines your likely borrowing range and the reasoning behind it, giving you solid evidence to support your case. 

  

Who This Service Is For 


Our Mortgage Capacity Reports are ideal for: 
•   Individuals going through divorce or separation 
•   Anyone needing formal evidence of borrowing ability 
•   People negotiating financial settlements  
If you’re unsure whether you need a report, we’re happy to talk it through with you. 

  

Why Choose One Roof Financial? 


We are a longestablished, friendly, and highly experienced mortgage advisory firm. Our clients trust us because we: 
•   Build longterm relationships 
•   Take the time to understand your needs 
•   Provide clear, honest advice 
•   Aim to exceed expectations every time 
This service is delivered with the same care, professionalism, and empathy that define everything we do. 

  

How to Get Started 
If you need a Mortgage Capacity Report. Or you’re not sure and want to talk it through, we are here to help. 

 
Book a call with our team and we’ll guide you through the next steps with clarity and support. 

Contact

Please note that our mortgage capacity service is not regulated by the Financial Conduct Authority.  

Blog written on 29/01/2026 

The information contained within this blog was correct at the time of publication (29/01/2026), and is subject to change. 

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Client testimonials

See what our clients have to say about us! Use the arrows to navigate through our testimonials.

Mr Sealey, Leicestershire

I have been using them for years and they make dealing with mortgages so simple and easy. Very friendly, transparent and great value as they will advise existing customers for free.

Mr F, Warwick

Caroline has worked with me for many years arranging mortgages, insurances, and also helping with some fantastic referrals in the property industry. Caroline is and always has been exceptional in my opinion. I highly respect her unflappable style, and no matter what pressure I apply, she will not be rushed in ensuring all i’s are dotted and all t’s are crossed before she gives the very best advice.

Mr N, Leicestershire

Caroline was a huge help during our journey as first time buyers. She was always on the other end of the phone when needed. Couldn’t recommend her enough.

Mr Curtis, Leicestershire

We have used One Roof for our mortgage and subsequent remortgages for over 10 years, and can highly recommend the team. Friendly and approachable, but also professional and across the detail.

Anom

Is there anything we can improve? No service is first class!!!

Tammy B, Leicestershire

What are you particularly pleased with? The advisers knowledge and efficiency is second to none.

Mr Cook, Coventry

Fantastic Service from Caroline at One Roof, super helpful, hardworking and knowledgeable, would highly recommend One Roof Financial to anyone, Caroline’s advice and work not only eliminated any stress but also saved us a considerable amount of money

Mr Dunkley, Leics

What are you particularly pleased with? Caroline’s quick response and professionalism

Mrs H, Burbage

What were you most impressed with? The human aspect . When so many people are only contactable via email. To have a person to talk to is amazing.

Mr Cook, Coventry

Communication has been fantastic, Caroline is very helpful in answering any questions quickly and honestly.

Sam S, Leics

What are you particularly pleased with? Caroline’s commitment to me as a client and her attention to detail is second-to-none.

L C Guildford

We highly recommend Caroline and the team to anyone in need of mortgage/insurance advice, and feel very grateful to have been looked after so well during our house buying journey. We know that we are in very safe hands moving forward.

C L Surrey

Communication was excellent throughout the process, with Caroline providing regular updates to keep us informed every step of the way. Her professionalism and approachable manner made what was a stressful process for first time buyers feel smooth and straightforward.

L C Guildford

We had a fantastic experience working with Caroline and the team at One Roof Financial for our mortgage and insurance. From start to finish, Caroline was attentive, friendly, and incredibly knowledgeable. She took the time to explain everything clearly, ensuring we fully understood our options and felt confident in our decisions.

A & J, Burbage

Thank you so much for your support with our mortgage. As always, you are a super star!

C W, Hinckley

10 stars for Caroline. She helped us every step of the way with purchasing our first house. She gave us all the information we needed, explained everything to us in layman terms so we understood. Answered all of the questions we have and made everything much easier! We would have been so lost without Caroline and we cannot thank her enough for all the hard work, help and support she gave us! Thank you!

FBW, London

Caroline was great from start to finish. Professional, knowledgeable and very timely with responses and getting all the paperwork sorted – not only for the mortgage, but life insurance, critical illness and all the other things that come with buying a house! I have already recommended her to friends who are looking to move in the new year.

NI, Hinckley

Caroline was great and guided me through the whole process of my remortgage and life insurance. I would highly recommend 100%.

Miss G, Nuneaton

Amazing communication and easy to talk to. Took into consideration my budget and kept me up to date with the process throughout.

IS, Hinckley

We have used Caroline for many years as we find her to be very professional. She is very helpful and informative which makes the whole mortgage selection and choosing the correct related services stress free. We recommend One Roof Financial 100%

Matt K, Hinckley

Service and advice is always top notch!

S Green, Leicestershire

Caroline is great and explained the whole process really clearly. It was great having her there to sort things for me as my application wasn’t completely mainstream due to my senior years and I’m so happy and thankful to be in my own place again. Thank you so much :)

C Kirton, Warwickshire

Caroline has been clear, considerate, and extremely helpful every step of the way. Her expertise and professionalism have been second to none and have made my partner and I feel very comfortable from day 1.

Miss Dilkes, Leicester

The overall process was very easy. Caroline explained everything to us and went through every detail regarding getting a mortgage etc. highly recommend.

SG, Leicester

Caroline is extremely efficient and knowledgeable and I feel completely confident that I’ve got the right product for my circumstances. Caroline has been great throughout the whole process so far.

SJ, Leicestershire

Caroline is very friendly and professional, very efficient too. She offered great advice and explained everything clearly.

HG, Warwickshire

Absolutely amazing! I first signed up to one roof about 18 months ago after struggling to find a mortgage with high street lenders. The amount of support and guidance I was given was second to none. Thank you so much Caroline!

TA, Leicestershire

We have been really happy with the help, advise and support we have received from Caroline of One Roof Financial, she is very knowledgeable and kept us informed all the way through our mortgage process. We would definitely recommend to friends and family.

RO, Hampshire

Fantastic service with clear guidance and communication throughout our remortgage process, specifically when the mortgage rates dropped twice within 2 months, One Roof Financial contacted us promptly with a new product reflecting the new price, which saved us money! I would definitely recommend One Roof Financial to friends and family.

SH, Broughton Astley

I’ve been using Caroline since I bought my first house in 2014 and honestly wouldn’t go anywhere else. Apart from being just a lovely person through and through, she’s very knowledgeable and helpful in all aspects of the process. Mortgages or insurances. I’m always kept up to date and even reminded about things I forget!