Can You Arrange a Mortgage Capacity Report Online?

Last Updated: September 18th, 2025 by Editorial Team | Reviewed by: Clementine Palmer

Arrange Your Court-Ready Mortgage Capacity Report Online in 48-Hours

Separation is stressful enough without financial jargon adding to the worry. If you’ve been told you need a Mortgage Capacity Report, you might be wondering what that even means — and how fast you can get one. The good news? You can arrange a court-ready Mortgage Capacity Report online in just 48 hours, with no extra cost.

What is a Mortgage Capacity Report?

In our experience, you have most likely come across the term “Mortgage Capacity Report” after a conversation with a legal professional but not always.

Briefly, a Mortgage Capacity Report, is a professional assessment of how much you’re likely to be able to borrow for a mortgage, based on your current finances.

It’s important to know what an MCR does — and what it doesn’t.

If you want to read more about Mortgage Capacity Reports, we have a dedicated blog here.

Why Most People Now Arrange Their Mortgage Capacity Report Online

Every month, thousands of separating couples and their solicitors choose to order Mortgage Capacity Reports online.

It’s the most practical, stress-free way:

Securely upload your documents from home.
Skip office visits and appointment juggling.
Receive your court-ready report within 48 hours, at no extra cost.

By arranging your report online, you’re following the same trusted process used by mediators, solicitors, and families across the UK. It’s discreet, efficient, and gives you the clarity you need to move forward with confidence.

“Roughly 50% of our reports are now managed fully online — especially helpful for clients juggling work, children, or living in different parts of the UK. From start to finish, our team is available at every step via email, phone, or video appointments

Clementine Palmer

Arrange Your Report Today

How Will I Be Supported During the Process?

Even though the process is digital, you are never left to figure things out alone.

You can contact us via:

📧 Email
📞 Phone support
💻 Video call appointments

This personal service ensures your report is accurate, clear, and tailored to your specific situation — and gives you confidence when submitting it to solicitors, mediators, or the court.

“Our clients might complete the form online, but we’re in touch throughout. Whether it’s a question about income evidence or how the court will view essential expenditure, we’re only a message or call away.”

Clemetine Palmer

What’s the Process Like?

At The Mortgage Capacity Report Co., we’ve made the process as simple and stress-free as possible — so you don’t have to worry about the details.

Choose your report type — individual, joint, or even a ‘no capacity’ report if you’re not currently eligible.
Share your details securely — income, outgoings, deposit, credit, etc.
Leave the rest to us — within 48 hours, your Mortgage Capacity Report expert will deliver your full, court-ready report.

If you would like to see more information on how our report process works, you can visit our dedicated reports page here.

The Risk of Choosing the Wrong Provider

Not every Mortgage Capacity Report is accepted in court. If your report is prepared by an unregulated broker or a provider who only uses one bank’s criteria, you risk rejection, wasted money, and costly delays.

That’s why our reports are written by FCA-regulated experts, based on whole-of-market lending criteria. They’re trusted by over 250 family law firms across the UK — and recognised by the courts because they’re clear, realistic, and up to date.

How Long Does a Mortgage Capacity Report Take?

The full turnaround time can vary depending on how quickly we receive your completed fact-find and evidence. But typically:

Initial submission: Takes most clients 30–60 minutes to complete
Drafting and review: 2 working days after receiving all documentation

We understand that legal processes can move quickly — our team is on-hand to support urgent requests where possible.

You don’t have to navigate this alone.

You don’t have to figure everything out right now. But taking this simple step—arranging an online Mortgage Capacity Report—can bring clarity and confidence back into your day.

When you’re ready, you can arrange your report online with us today.

If you’d like a more conversational chat or need help picking the right report, our team is here to help.

About Clementine Palmer

Clementine Palmer has two decades of mortgage industry expertise, including ten years specialising in divorce proceedings. As a senior whole-of-market Mortgage Broker, she has established herself as the UK’s leading expert in Mortgage Capacity Reports, providing essential financial insights for divorce settlements nationwide from her Oxfordshire base.

Her expertise is backed by the CeMAP qualification and active memberships in prestigious industry bodies, including the Chartered Insurance Institute (CII) and the National Association of Commercial Finance Brokers (NACFB). Clementine also maintains memberships with the Equity Release Council and the Association of Mortgage Intermediaries, demonstrating her commitment to excellence in mortgage advisory services.