When navigating complex divorce proceedings, separation, or certain court processes, borrowing capacity often becomes a central issue. One document that is frequently required in these situations, to give an indication of borrowing capacity, is a Mortgage Capacity Report.

Later life lending offers more than equity release. Learn about lifetime mortgages, RIO mortgages and flexible borrowing solutions for homeowners aged 50+.

In a recent blog, we discussed the uncertainty facing borrowers whose fixed-rate mortgages are approaching their end date. At the time, much of the conversation in the market suggested that mortgage rates could gradually ease during 2026 as inflation cooled and interest rate expectations softened.

Over the past few days, we have seen a sharp shift in financial markets, and it is likely to impact mortgage pricing. If you are due to remortgage in the next 3–6 months, this matters more than you might think.