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
Your order goes straight to our adviser team. Online card payment is temporarily unavailable, so your adviser contacts you directly to arrange payment and 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
Online card payment is temporarily unavailable. Your adviser will contact you directly to arrange payment and next steps.
Questions in the meantime? Email mcr@bmimoney.co.uk or call 01235 754475.