Pricing
A full report includes two affordability scenarios. Each additional scenario is £25. A nil report is £100, for one person only, where it is already clear they cannot obtain a mortgage.
One party
£250
Extra scenarios £25 each after two included · Typically within 48 hours
For one person’s borrowing capacity. Use this where only one party needs to show they can retain the home, rehouse, or raise a mortgage in their sole name.
Instruct this reportBoth parties
£450
Extra scenarios £25 each after two included · Typically within 48 hours
Two independent assessments, prepared together, each on that person’s own income and commitments. Not a combined loan figure. The economical way to obtain two reports.
Instruct this reportOne person
£100
One person only · Not a full assessment · Typically within 48 hours
Where it is already clear that one person cannot obtain a mortgage — for example, because they have no income. A short written confirmation of that position. Not a full capacity assessment, and not available as a joint instruction.
Instruct this reportThe fee covers the assessment and the written report. It does not include arranging a mortgage. If someone later wants to apply, that is a separate instruction. A nil report is the exception: £100, for one person, confirming they cannot currently obtain a mortgage. It is not a full assessment and does not include scenarios.
| Situation | Instruction |
|---|---|
| One person needs evidence of borrowing capacity | Single — £250 |
| Both parties need an assessment | Joint — £450 |
| It is already clear one person cannot borrow | Nil report — £100 |
| The court wants more than two outcomes tested | £25 for each additional scenario |
No. A joint instruction produces a separate assessment for each party, based on their own income, deposit and commitments. Each person’s findings stay independent, which is what the court and both solicitors need. Instructing jointly is simply the more economical way to obtain two reports.
Once we have a complete set of information, reports are typically ready within 48 hours. If there is a hearing or negotiation date, tell us when you instruct and we will work to it wherever we can. We do not start the assessment until the information we need is in.
A nil report is £100, for one person only. Use it where it is already clear that person cannot obtain a mortgage — for example, because they have no income. It is a short written confirmation of that position, not a full capacity assessment, so the two included scenarios and the £25 extra-scenario fee do not apply. A joint instruction is not offered as a nil report.
Yes. Two affordability scenarios are included in the report fee. Each additional scenario is £25 — for example a different deposit, a change in maintenance, or keeping versus selling the family home. Outline what you need when you instruct.
