Mortgage Reports
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Sample report

Mortgage capacity assessment

An example report prepared for a fictional client, John Smith, showing the format and content of the report you will receive.

Cover page: Mortgage Capacity Assessment Report for the example client John Smith, dated 10 March 2026 and marked as an example report.
Page 1 of 4 · Cover
Page 2: important information about what the report is and is not, then the assessment. Total annual income £62,150 from salary and bonus, outstanding credit commitments £15,599, a 10-year term to age 67 and 2 dependants, giving likely maximum borrowing of £165,100, or £226,450 if debts were paid in full.
Page 2 of 4 · Income, commitments and maximum borrowing
Page 3: indicative monthly repayment and interest-only costs for £165,100 and for £226,450 over 10 years, at a 2-year fix of 4.24%, a 5-year fix of 4.34% and a variable rate of 6.24%.
Page 3 of 4 · Monthly costs, now and with debts cleared
Page 4: indicative additional purchase costs such as stamp duty, legal, valuation, survey, arrangement and broker fees and moving costs, then the conclusion, the declaration on facts and opinions, and the adviser's signature.
Page 4 of 4 · Purchase costs, conclusion and declaration