The greenhouse effect

The greenhouse effect

Reduce, reuse, recycle. We are all conscious of playing our day-to-day part to help the environment but is there more we could be doing? According to UK Government National Statistics, residential properties account for 15% of the UK’s climate emissions, so having an energy efficient home has a huge impact in lowering our carbon footprint.

Recognising this, NatWest are now offering a Green Mortgage Product to reward customers whose homes have a high Energy Performance Rating, with preferential mortgage rates on a two-year or five-year fix.

Both new and existing homeowners will be able to apply for a Green Mortgage with NatWest, provided that their homes are officially registered with an A or B-graded EPC, and the loan to value rate of the property is 60%, 70% or 85%. At the time of launching, Shared Equity and Help to Buy applications are not eligible.

The NatWest Group is the UK’s fourth largest mortgage lender and the group is already working towards making their own operation net carbon zero this year and climate positive by 2025. NatWest’s drive to offer their customers more environmentally conscious products responds to research carried out by Ipsos MORI which finds that 85% of UK citizens are concerned about climate change.

In addition to the Green Mortgage, a recent partnership with CoGo, a FinTech company, enables NatWest customers to track their carbon footprint in real-time through an eight-week pilot scheme. Green Home Grants are also available to qualifying homeowners who wish to make their homes more energy efficient by purchasing green home energy systems.

Other lenders making waves in green financial products include Legal and General, with their recent launch of an Energy Saver Cashback offer on their Lifetime Mortgage products. In July 2020, Barclays expanded their range of Green Mortgages which are available in partnership with qualifying new build properties.

With NatWest keen to secure their status as a leading bank on climate change, we are sure to see more products coming to market with the environment in mind.

For further information on mortgage borrowing or to get in touch with our friendly team, simply click here

Helping you negotiate the right divorce settlement

Why choose us?

  1. Peace of mind

    Our reports are solicitor and Family Court approved, so you can rest assured that we have everything under control when it comes to writing yours. We were one of the very first organisations to offer this service and have been providing Mortgage Capacity Assessments for over ten years. 

  2. Multiple options

    We offer different types of report for different stages in the divorce process and to meet your requirements. You can find out more about the different types of report available here. This enables you to choose the right option for you and your family, depending on the details of your financial separation.

  3. Speed & reliability

    Our Indicative Mortgage Capacity Assessment is generated instantly. The normal turnaround time for the completion of all other assessments is 5-10 working days. However, if your court date is imminent and you need your report urgently, there's an express service available. All of our reports are written by a qualified Mortgage Capacity expert.

  4. No hassle or hidden costs

    It's not uncommon to spend up to three hours with your bank only to be told they can’t lend or won’t lend until after your divorce. Our assessments take away the time, hassle and potential for inaccurate mortgage borrowing figures. We have fixed fees and there are no hidden costs to worry about.

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Our quick process

We make getting a Mortgage Capacity Report as simple as possible.

  • 1. Choose your package

    Decide which report is required/the most appropriate. You can discover our report types here and/or give us a call to discuss. When you're ready, choose your report.

  • 2. Work with our Mortgage Capacity Report experts

    We'll gather all the information we need to produce your report. You can find out more about our experience here.

  • 3. Wait up to 10 days

    Once payment has been made you'll receive your report within 10 working days. We offer an express service if your court date is imminent, and indicative assessments are produced instantly.

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Reports & pricing

  • Indicative

    Indicative Mortgage Capacity Assessment
    (first hearing)

    £149
  • FDR

    FDR Mortgage Capacity Assessment (Financial Dispute Resolution hearing)

    from £250
  • No Mortgage

    Single ‘No Mortgage’ Capacity Assessment 

    £149
     

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If you have any questions about our Mortgage Capacity Reports or want advice on which assessment is right for you, we'd be happy to help.

  • Phone us on 0800 6342 111

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