BrightMCR toolkit
Scenario Planner
An illustrative planning tool for financial-remedy discussions — equity, plausible mortgage capacity and property budget ranges at Now, 1 year and 3 years. Housing and mortgage capacity only. No pensions, investments or stocks are modelled.
Your position
2 dependants today
Illustrative example only — not a valuation of your personal circumstances. Only a full Mortgage Capacity Report, signed by a regulated adviser, should be relied on for legal or court purposes.
Illustrative example · Now
Plausible property budget range
£312,500 – £352,500
- Projected property value
- £425,000
- Projected mortgage balance
- £210,000
- Equity position
- £215,000
- Deposit at this horizon
- £127,500
- Plausible capacity range
- £185,000 – £225,000
- Report type that fits
- Standard Mortgage Capacity Report
You may also want to explore
Signposts to the BMI Money / BrightCap Partners team. Framed as options — not a quote, recommendation or advice.
Remortgage or buy-out review
You may also want to explore a remortgage or buy-out illustration with the BMI Money team — significant equity and a modest loan-to-value often open competitive rates and release options.
Ask BMI Money about a remortgage reviewFamily protection review
You may also want to explore a protection review with Jade at the BMI Money team — sole-income households with dependants often have material gaps in life cover, income protection and family income benefit.
Ask about a protection reviewAssumptions used in this planner
- Property value growth: 3.0% per year (UK long-run average).
- Mortgage amortisation: 3.0% of original balance per year (approx. a 25-year capital-and-interest profile at c.4.75%).
- Income and unsecured debts held flat in real terms.
- Capacity mid-point from our calibrated mainstream-panel engine (v8, 2026); shown as ±10% range for planning.
- Deposit at horizon assumes 50% of the net equity in the current home is realised into the deposit pot. Adjust the deposit input for other splits.
- Any child reaching age 18 within the horizon is treated as no longer dependent for lender calculations.
- Pensions, stocks, shares and other investments are not included in this tool.