How to Decide Which Scenarios to Include in Your Report

Deciding which scenarios to include in your mortgage capacity report can be challenging and depends on your specific circumstances. Each report is tailored to suit individual needs.

Common Scenarios

1. Purchase Mortgage (Family Home Sold)
   This is the most common scenario for a mortgage capacity report. It assumes the current family home is sold and the client is purchasing a new property. If the client is a first-time buyer, the report will also use a purchase mortgage scenario.
2. Deposit Amount
   By default, we calculate scenarios using a 15% deposit. However, if the client has a specific deposit amount in mind, we will use that figure instead.
3. Remortgage Options
   In some cases, clients prefer to explore remortgage options to raise funds for buying out the other party’s share of the property. This scenario is particularly relevant for applicants with children who wish to remain in better school catchment areas.



Each scenario is carefully reviewed to ensure it aligns with your circumstances and priorities. If you need guidance in selecting scenarios, we are here to help.