How it works
Simple process. Adviser-checked. Court-ready.
Five steps from questionnaire to signed report — the same working day in most cases.
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 — £99
Payment triggers the full report process. A Word document is sent to our adviser team immediately.
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 £99 report includes
- 14-section Mortgage Capacity Report
- Court-compliant methodology, FPR 2010 aligned
- Expert signature and Statement of Truth
- Checked against 55+ residential lender criteria
- Signed PDF typically delivered same working day
- Free re-issue if your circumstances change within 7 days