£99 Mortgage Capacity Reports for financial remedy proceedings
Court-compliant Mortgage Capacity Reports, produced in just a few clicks. Used by solicitors, mediators and courts across England and Wales. Adviser-reviewed, FCA-regulated, same working day.
Standard MCR
- Court-compliant methodology
- Expert-signed by qualified broker
- Same working day delivery
- Assessed against 55+ residential lenders
- FCA Authorised firm
Secure checkout · No subscription
Use cases
When is a Mortgage Capacity Report needed?
Six common scenarios in financial remedy proceedings where a signed, court-compliant MCR gives the court a defensible answer.
Divorce & financial settlement
Courts need to know whether each party can independently rehouse before ordering a property split.
Buying out a spouse
Confirms whether one party can raise sufficient mortgage to buy the other's share.
Equity release proceedings
Where one older party may remain in the home via equity release or a RIO mortgage.
Pension sharing orders
Where housing affordability depends on pension income from a future date.
Consent orders & mediation
Used during negotiation to establish realistic housing budgets before final agreement.
No-capacity evidence
Where a party cannot currently be rehoused, the court needs expert confirmation — not just an assertion.
What people say
Trusted by solicitors, mediators and clients
"Turned around same day and accepted without query at FDR. Exactly what we needed."
— Family solicitor, Oxford
"The panel-average figure gave the court a defensible answer we could argue from."
— Barrister, London
"Clear, expert-signed and cheap enough that clients don't push back on the cost."
— Mediator, Buckinghamshire
"First MCR provider we've used where the calculator matched the final report figure."
— Senior associate, family law
"Straightforward to instruct, adviser was on the phone within an hour."
— Client, contested proceedings
Why BrightMCR
Built for divorce proceedings, trusted by courts
How it works
Verified income and liability data, checked against live lender criteria, reviewed by an FCA-regulated adviser before signing — built to be relied on in proceedings.
See the process
For family law firms
Independent, court-ready reports your clients can rely on. Free for solicitors during launch.
Solicitor info
800+ five-star reviews
800+ independent reviews from trusted platforms — Google, Trustpilot and Smart Money People.
Read reviews
Pricing
Simple, one-off pricing
No subscription. No hidden fees.
Where a mortgage isn't possible
No-Mortgage Report
- Expert-signed statement
- Court-ready format
- Instant online estimate
Most popular
Standard MCR
- Full 14-section report
- Affordability Brain (55+ residential lenders)
- Expert-signed & court-ready
- Instant online estimate
Per revision after issue
Amendment
- Updated figures
- Re-signed & re-issued
- Quick re-issue
No Mortgage Capacity Report — £49
When you might need a No Mortgage Capacity Report
A 'No Capacity' finding is still valuable evidence for the court — it demonstrates, on regulated criteria, that re-housing on a mortgage is not currently affordable.
Out of work raising children
Your client has been out of work raising children and has no independent income.
Universal Credit & Child Benefit only
Your client's only income is Universal Credit and Child Benefit.
Missed payments or a post-separation default
Your client has missed mortgage payments or has a default following the separation.
Maintenance not yet court-ordered
Your client is relying on maintenance that has not yet been court-ordered.
Evidence that re-housing isn't affordable
Your client needs evidence for the court that re-housing is not currently affordable.
In every one of these scenarios, an FCA-regulated "No Mortgage Capacity" statement gives the court a defensible answer — not silence.
Order a No-Mortgage Report — £49Common questions
No Mortgage Capacity — FAQs
Reviews