How it works
Simple process. Adviser-checked. Court-ready.
Five steps from questionnaire to signed report — the within 24–48 hours in most cases (for urgent turnarounds, please call an adviser).
The five-step BrightMCR process
Complete the questionnaire
Client or solicitor completes our structured online fact-find. Takes approximately 10 minutes.
Receive Mortgage Capacity Estimate
An instant indicative estimate is generated from the information provided, giving an immediate borrowing indication before purchase.
Order the full report — £249
Submit your order and follow the secure payment instructions. Our adviser team will review your details and confirm the next steps.
Adviser review
Every report is reviewed by a CeMAP-qualified adviser. Income verified against declared employment type, liabilities checked, lender criteria applied.
Final report issued
A signed, court-compliant PDF is produced and sent to the client and solicitor. Reference number provided for court bundle.
"We don't just generate a number and send it. Every report is checked by a qualified adviser — because the difference between a number that holds up in court and one that doesn't often comes down to details that an algorithm misses."
What's included
Every £249 report includes
- 14-section Mortgage Capacity Report
- Formatted with reference to FPR 2010
- Broker signature and Statement of Truth
- Checked against 50+ residential lender criteria
- Signed PDF typically delivered within 24–48 hours
Joint MCR — £449. A Standard MCR for each party, prepared together. Call 01235 754475 or email mcr@bmimoney.co.uk to arrange.