Securing Your Future: Housing Costs After Divorce

Dividing one household into two after separation brings major financial challenges. Who pays for what? How much can each spouse afford? These questions can turn discussions into disputes.

A Mortgage Capacity Report provides clarity by assessing each party’s borrowing power. This evaluation helps guide decisions—whether one spouse stays in the family home or both move elsewhere— based on facts, not emotions.

What’s Included?

Each report typically covers:

• Income – Salary, self-employment, rental income, and investments.

• Debts – Existing obligations and debt-to-income ratio (DTI).

• Credit History – Credit scores and borrowing potential.

• Deposit – Available funds and their impact on affordability.

• Expenses – Utilities, insurance and council tax.

Why It Matters

A Mortgage Capacity Report brings transparency to negotiations on property division, spousal support, and post-divorce finances. If needed, it can also serve as solid evidence in court.

Chamber members Lawton Financial Services, who have over 20 years’ experience in the financial service sector, have developed a market-leading Mortgage Capacity Report.

This report provides clients with clear, comprehensive documentation outlining their borrowing capacity and potential eligibility for mortgage approval.

Additionally, they collaborate with mediators to find joint solutions for mortgage-related challenges, offering guidance to both parties to help them move forward.

With financial facts in hand, you can move forward confidently toward your next chapter.

lawtonfs.co.uk