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.

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.

Explore flexible mortgage options for First-Time Buyers in 2025. Discover how Penn Financial can help First-Time Buyers get on the property ladder.

If you are a first-time buyer and want to explore whether a delayed start mortgage could help you get on the property ladder with more confidence, reach out to Penn Financial. Our advisers can help you understand your options in plain English and, more importantly, whether this type of mortgage fits your unique situation.

Could borrowing seven times your income for a mortgage be right for you? Learn the risks and benefits of high-income multiple loans.

If your mortgage rate is due to expire, this is for you.