Court-Ready Mortgage Capacity Reports for Financial Remedy Proceedings
Prepared and signed by a qualified mortgage broker, reviewed before issue, and delivered within 24–48 hours. Used by family solicitors across England and Wales.
Standard MCR
- Formatted for inclusion in your financial remedy bundle
- Prepared and signed by a CeMAP-qualified broker
- Typically delivered within 24–48 hours
- Assessed against a panel of 50+ residential lenders
- Appointed representative of an FCA-authorised network
Where a mortgage isn’t currently possible, we issue a No Mortgage Capacity Report for £99 instead.
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Questions in the meantime? Email mcr@bmimoney.co.uk or call 01235 754475.
One-off fixed fee · No subscription
Use cases
When is a Mortgage Capacity Report needed?
Four scenarios in financial remedy proceedings where a signed, court-compliant MCR is the right document. Not every situation needs one — see below.
Divorce & financial settlement
Courts need to know whether each party can independently rehouse before ordering a property split. A signed MCR gives the court a defensible figure for both sides.
Consent orders & mediation
Used during negotiation to establish realistic housing budgets before a final agreement is drafted — so the settlement is built on numbers that actually stand up.
No-capacity evidence
Where a party genuinely cannot be rehoused on current income, the court needs a signed conclusion from a qualified broker — not just an assertion from the other side.
Contested buy-outs
Where one party disputes whether the other can raise enough to buy out their share, a signed MCR settles the question on paper.
When you probably don't need a paid report
Speak to an adviser first — it may be free
If proceedings haven't started, or if you're weighing up a specific scenario rather than producing evidence for a court, a signed report often isn't the right tool. In these cases a short call with a BrightMCR adviser is usually enough — and there's no charge:
- •Buying out a spouse outside of court — we can confirm affordability for that specific purchase, free of charge, if you're considering a Bright Money mortgage.
- •Equity release or RIO for an older party staying in the home — we can talk through what's realistic without a paid report.
- •Pension sharing / future income scenarios — we can indicate affordability against a specific projected income before you commission a full MCR.
If the matter is heading to court, or a solicitor has asked for a signed report on the other side's behalf, you'll still need the full £249 MCR.
What people say
Trusted by solicitors, mediators and clients
"5 stars doesn't do Darren justice! My solicitor explained I needed to provide evidence of my mortgage raising capacity (or lack thereof) for my pending divorce. Darren made the entire process simple, quick and stress-free. Fantastic communication, empathetic and generous with both his time and fee. I am so grateful to have one less thing to stress about under very difficult conditions. Highly recommended."
— Tanya W — verified client
"Darren and team have helped me with a mortgage capacity report. They were fast, efficient, and the document provided was acceptable by the courts. I want to say a huge thank you to Darren and his team for being so helpful and efficient."
— Judy J — verified client
"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
Why BrightMCR
Built for divorce proceedings, trusted by courts
How it works
Verified income and liability data, checked against live lender criteria, reviewed by a qualified 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.
Most popular
Standard Mortgage Capacity Report
- Full 14-section report
- Affordability Brain (50+ residential lenders)
- Signed by a CeMAP-qualified broker
- Indicative online estimate
Where a mortgage isn't currently possible
No Mortgage Capacity Report
- Signed by a CeMAP-qualified broker
- Formatted for financial remedy proceedings
- Indicative online estimate
No Mortgage Capacity Report — £99
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, a signed "No Mortgage Capacity" statement gives the court a defensible answer — not silence.
Order a No-Mortgage Report — £99Common questions
No Mortgage Capacity — FAQs
Reviews