BrightMCR Blog
Guides & insights
Plain-English answers to the questions solicitors and separating couples ask us most.
Guides
What is a Mortgage Capacity Report?
A Mortgage Capacity Report tells the court how much each party could realistically borrow on a residential mortgage. Here is what it includes and why it matters.
10 June 2026 · 5 min readReadGuides
How lenders calculate affordability in 2026
Most UK lenders combine an income-based cap with an affordability stress test and take the lower of the two. Here is how the main three differ.
18 June 2026 · 6 min readReadFor solicitors
MCRs for solicitors: what to look for in a report
Not all Mortgage Capacity Reports are equal. Here are the markers of a report that will hold up in court.
22 June 2026 · 4 min readRead