Question 1

Is it accepted by family courts?

Accepted Answer

Yes. Our reports are written to the standard expected by family courts in England & Wales and are routinely relied upon in financial remedy proceedings.

Question 2

How quickly will I receive my report?

Accepted Answer

Same working day for orders placed before 3pm. We will confirm a delivery time when we receive your form and payment.

Question 3

What information do I need?

Accepted Answer

Your income (or latest accounts if self-employed), your monthly debts and commitments, basic personal details and your future plans. The form takes around 10 minutes.

Question 4

What if my circumstances are complicated?

Accepted Answer

We handle complex cases daily — multiple incomes, adverse credit, self-employment, maintenance, and more. Just share what you can and we'll do the rest.

Question 5

Can I request an amendment?

Accepted Answer

Yes. Amendments are £49 each and we'll re-sign and re-issue the report quickly.

Question 6

What if I can't get a mortgage at all?

Accepted Answer

We issue a £49 No-Mortgage Report — an expert-signed statement explaining why, in the same court-ready format.

Question 7

Is BrightMCR regulated by the FCA?

Accepted Answer

Bright Money Independent Ltd is authorised and regulated by the FCA (No. 578068) as an appointed representative of Sesame Ltd for mortgage advice. Mortgage Capacity Reports themselves are not a regulated activity under FSMA 2000.

Question 8

Can my solicitor receive a copy directly?

Accepted Answer

Yes — add your solicitor's email on the order form and we'll send a copy at the same time as yours.

Common questions