With a transfer ban imposed, Lampard who replaces Maurizio Sarri this summer will have a unique situation to work with at Stamford Bridge.
But Mourinho, speaking with Sky Sports, feels it could still work in their advantage.
With January signing Christian Pulisic finally arriving, Mateo Kovacic making his loan move permanent and the likes of Tammy Abraham and Kurt Zouma returning from loans, Chelsea do still have options ahead of the new season.
“It depends on what you have in the academy, that’s the point.
“I think every manager in the world loves to play kids from the academy.
“The question is: what is the product from the academy? What can you work with to improve?
“I think Chelsea is a very special club in relation to that. I just give an example: Chelsea needs a centre-back – Kurt Zouma! You don’t need to buy, you don’t need to spend. Zouma!
“He’s champion of England, he played for Chelsea, played for Stoke in the Premier League, played for Everton in the Premier League, played for France. He’s your player, he’s on loan, where are you going to buy a better player than him? You already have him.
“You want a young striker – Tammy Abraham! He’s yours. He knows the club. He was made at the club, he was educated at the club. He was on loan, he played already some matches in the Premier League, he plays in the Championship but Championship at the highest level with the responsibility to play at a big club like Aston Villa. He’s ready.
“Do you need to buy a young centre forward? No! And Chelsea were criticised many times with the number of players they had on loan, more than 30 players, 40 players, but now the moment arrived and they have answers like nobody else could have.
“They have the answers, so I don’t think it’s any problem for them. The only problem for them is obvious which is that they lost a phenomenal player. Eden Hazard was a special player for Chelsea and they lost him, apart from that I don’t see any problem for them,” Mourinho said.