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.

We’re withdrawing rates across our mortgage range

We’re withdrawing rates across our residential owner occupied and buy to let mortgage range – from 6pm Wednesday 10 May

We wanted to give you advance notice that we’ve made the decision to increase rates across our buy to let, residential owner occupied and product switch range.

The below products will be withdrawn from 6pm Wednesday, 10 May and we’ll continue to accept DIPs submitted in the portal up to 6pm Wednesday 10 May.

Products being withdrawn:
  • Buy to let for individuals, companies, multi property, HMO and multi unit freeholds (2 and 5 year fixed rates)
  • Residential owner occupied standard level 1 and 2 (2 and 5 year fixed rates)
  • Residential owner occupied high LTV (2 and 5 year fixed rates)
  • Product switch residential owner occupied standard (2 and 5 year fixed rates)
  • Product switch residential owner occupied high LTV (2 and 5 year fixed rates)
  • Product switch residential owner occupied Help to Buy: Equity loan (2 and 5 year fixed rates)

We’ll be launching new rates from 9am Thursday 11 May.

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 Wednesday, 10 May. 

For product switch rates you’ll need to secure an offer by 6pm Wednesday, 10 May  which will then be valid for 7 days.

New mortgage rates from 11 May, 2023

We’re making changes to our residential owner occupied, buy to let and product switch mortgage range – from Thursday 11 May

We wanted to let you know that we’re making changes to our buy to let, residential owner occupied and product switch range.

The below rates will be available from Thursday, 11 May 2023.

Buy to let

Buy to let for individual landlords with single residential investment properties + free valuation

  •  2 year fixed with 1.50% fee, 5.79% to 75% LTV
  • 5 year fixed with 1.50% fee, 5.79% to 75% LTV
  • 5 year fixed with 1.50% fee for properties with EPC rating of A, B or C 5.69% to 75% LTV
  • 5 year fixed zero fee, 6.09% to 75% LTV

Buy to let for company landlords with single residential investment properties + free valuation

  • 2 year fixed with 1.50% fee, 5.79% to 75% LTV
  • 5 year fixed with 1.50% fee, 5.79% to 75% LTV
  • 5 year fixed with 1.50% fee for properties with EPC rating of A, B or C, 5.69% to 75% LTV
  • 5 year fixed with zero fee, 6.09% to 75% LTV

Buy to let for individuals, companies, HMO and multi unit freehold (up to 6 bedrooms / 6 units)

  • 2 year fixed with 1.50% fee, 6.29% to 75% LTV
  • 5 year fixed with 1.50% fee, 6.29% to 75% LTV
  • 5 year fixed with 1.50% fee for properties with EPC rating of A, B or C, 6.19% to 75% LTV
  • 5 year fixed with zero fee, 6.59% to 75% LTV

Buy to let multi property product for Individual and company landlords with residential investment properties + free valuation

  • 2 year fixed with 1.50% fee, 5.69% to 75% LTV
  • 5 year fixed with 1.50% fee, 5.69% to 75% LTV
  • 5 year fixed with zero fee, 5.99% to 75% LTV

Buy to let multi property for individuals, companies, HMO and multi unit freehold (up to 6 bedrooms / 6 units)

  • 2 year fixed with 1.50% fee, 6.19% to 75% LTV
  • 5 year fixed with 1.50% fee, 6.19% to 75% LTV
  • 5 year fixed with zero fee, 6.49% to 75% LTV

Buy to let large loan HMOs and multi unit freehold (over 7 bedroom / 7 units )

  • 2 year fixed with 1.50% fee, 6.39% to 75% LTV
  • 5 year fixed with 1.50% fee, 6.39% to 75% LTV
  • 5 year fixed with zero fee, 6.69% to 75% LTV
Residential owner occupied

Residential owner occupied standard level 1 + free valuation

  • 2 year fixed with £999 fee, 5.69% to 75% LTV
  • 5 year fixed with £999 fee, 5.74% to 75% LTV
  • 2 year fixed with zero fee, 5.94% to 75% LTV
  • 5 year fixed with zero fee, 5.84% to 75% LTV
  • 2 year fixed with £999 fee, 6.19% to 80% LTV
  • 5 year fixed with £999 fee, 6.09% to 80% LTV
  • 2 year fixed with zero fee, 6.44% to 80% LTV
  • 5 year fixed with zero fee, 6.19% to 80% LTV

Residential owner occupied high LTV + free valuation

  • 2 year fixed with £999 fee, 6.39% to 85% LTV
  • 5 year fixed with £999 fee, 6.29% to 85% LTV
  • 2 year fixed with zero fee, 6.64% to 85% LTV
  • 5 year fixed with zero fee, 6.39% to 85% LTV
  • 2 year fixed with £999 fee, 6.69% to 90% LTV
  • 5 year fixed with £999 fee, 6.59% to 90% LTV
  • 2 year fixed with zero fee, 6.94% to 90% LTV
  • 5 year fixed with zero fee, 6.69% to 90% LTV

Residential owner occupied standard level 2 + free valuation

  • 2 year fixed with £999 fee, 6.54% to 75% LTV
  • 5 year fixed with £999 fee, 6.44% to 75% LTV
  • 2 year fixed with zero fee, 6.79% to 75% LTV
  • 5 year fixed with zero fee, 6.54% to 75% LTV
  • 2 year fixed with £999 fee, 6.84% to 80% LTV
  • 5 year fixed with £999 fee, 6.74% to 80% LTV
  • 2 year fixed with zero fee, 7.09% to 80% LTV
  • 5 year fixed with zero fee, 6.84% to 80% LTV
Product Switch

Product switch residential owner occupied standard

  • 2 year fixed with zero fee, 5.69% to 75% LTV
  • 2 year fixed with zero fee, 6.19% to 80% LTV
  • 5 year fixed with zero fee, 5.74% to 75% LTV
  • 5 year fixed with zero fee, 6.09% to 80% LTV

Product switch residential owner occupied high LTV

  • 2 year fixed with zero fee, 6.39% to 85% LTV
  • 2 year fixed with zero fee, 6.69% to 95% LTV
  • 5 year fixed with zero fee, 6.29% to 85% LTV
  • 5 year fixed with zero fee, 6.59% to 95% LTV

Product switch residential owner occupied Help to Buy: equity loan

  • 2 year discounted with zero fee, 5.73% to 75% LTV
  • 2 year fixed with zero fee, 6.34% to 75% LTV
  • 5 year fixed with zero fee, 6.34% to 75% LTV
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