The seismic assessment of the out-of-plane (OOP) behaviour of unreinforced masonry (URM) buildings is essential since the OOP is one of the primary collapse mechanisms in URM buildings. It is influenced by several parameters, including the poor connections between structural elements, a weakness highlighted by post-earthquake observations. The paper presents a mechanical model designed to predict the contributions of various resisting mechanisms to the strength capacity of timber-joist connections in masonry cavity walls. The research presented in this paper considers two different failure modes: joist-wall interface failure, and OOP rocking behaviour of the URM walls. Consequently, two mechanical models are introduced to examine these failure modes in timber-joist connections within masonry cavity walls. One model focuses on the joist-wall interface failure, adopting a Coulomb friction model for joist-sliding further extended to incorporate the arching effect. The other model investigates the OOP rocking failure mode of walls. The combined mechanical model has been validated against the outcomes of an earlier experimental campaign conducted by the authors. The considered model can accurately predict the peak capacity of the joist connection and successfully defines the contribution of each mechanism in terms of resistance at failure.