Brilliant Solutions

The office will be closed from 5pm today for staff training, open as normal tomorrow. 

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.


In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

Aldermore Product Update

Aldermore announced some product changes.  See below for more information.  For information on their current products and criteria call our team or click here.  REMEMBER, you can access the Aldermore range using our Direct to Lender mortgage club so do contact us for further information.  For any Documents Click here. Calculators Click Here.

Important changes to our mortgage application process

Changes to our application process

We’re updating our application process, so we can make quicker lending decisions for you.

We know it’s been taking us too long to progress cases recently and we need to fix this.
By working together we can make changes which will benefit you and your clients.

One of the main reasons we’ve found is the volume of cases reaching our underwriters that aren’t ready to progress due to missing information.

From 1 July, our underwriters will only review applications that are
fully packaged to our minimum standards.

Our new larger BDM team will review each case once all documents have been uploaded to the portal. If they’re confident everything has been supplied to our minimum standards, they’ll send the
case to be assessed by an underwriter.
Remember, we give you 30 days once your DIP is accepted to gather the documents to submit.
These documents will only be reviewed by an underwriter once you’ve uploaded them all to the portal and if they meet the minimum standards.

Submitted cases with missing, incorrect or out of date documents 
won’t be reviewed by an underwriter and will expire.

You’ll find information on our minimum packaging standards below and if you have any questions, please get in touch with your telephony BDM team.

Our packaging standards

 Product withdrawal – residential and buy to let mortgages

We’re withdrawing products across our
residential owner occupied and buy to let mortgage range.

All 5 year fixed rate mortgage products will be removed from 6pm on Thursday, 30 June 2022.

Our 2 year fixed rates are still available to help support your clients, whether they’re looking to purchase their first property or expand their portfolio.

Pipeline applications

We’ll process pipeline applications as usual and if you’d like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Thursday, 30 June 2022.

Our packaging process

From 1 July, we’ll only review applications that are fully packaged to our minimum standards.
Missing, incorrect or out of date documents will result in your cases expiring.
All cases must include:
  • Signed application declaration form and Direct Debit mandate – residential / buy to let
  • Latest 3 months payslip and P60
  • 2 years HMRC SA302 with corresponding 2 years tax year overview (self employed)
  • 2 years tax year overview (self employed)
  • Portfolio schedule and business plan if the applicant has 4 or more BTL mortgaged properties

And we’ll also need the documents below, where applicable:

  • Contractors proof of contract – 24 months previous to 12 months previous with 6 months remaining
  • I/O signed declaration (residential only)
  • Pension – latest 3 payslips or pension P60
  • Benefits – latest award letter in the applicant’s name
  • Maintenance – 6 months bank statement or copy of court order
  • Debt management plan – 12 months evidence of satisfactory payment
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