BrightMCR toolkit
Capacity Gap Analysis
How does your client's rehousing budget compare to typical property values in the target area? Generates a narrative paragraph for your position statement.
Assessment
Total budget
£300,000
Avg 3-bed, North West
£245,000
Headroom
£55,000
Narrative for position statement
The applicant has an assessed borrowing capacity of £220,000 which, combined with the anticipated deposit of £80,000, gives a total rehousing budget of £300,000. The ONS 2025/26 regional average for a 3-bedroom property in North West is £245,000. The applicant can therefore be rehoused in a comparable property within the target area, with a headroom of £55,000. For context, the matrimonial home is valued at £350,000; the rehousing budget represents 86% of that value.
Useful free official resources
Free tools from HM Land Registry that help with property particulars and housing need. These are external sites; BrightMCR is not responsible for their content.
- Sold house prices (HM Land Registry)Search what homes actually sold for by area, using official Land Registry price paid data. Useful for sense-checking property particulars.
- UK House Price IndexAverage prices and price trends by local area and property type, from HM Land Registry and the ONS.
The Financial Remedies Guide 2026 asks for a market appraisal of the family home from an agreed estate agent. Online figures are a guide only.