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 making changes to our lending criteria

We’re returning our capital raising limits back to pre-covid levels from Thursday, 21 October

I wanted to let you know about the changes we’re making to capital raising and our minimum income level on 5.5x lending.

Capital raising:

► For buy to let up to 80% LTV for all acceptable purposes
► For non-property related and property related, including purchases on our residential owner occupied ranges, subject to LTV
► For business purpose – subject to additional underwriting guidanceWe’ll continue to look at each case on an individual basis, so we can make sure we’re
making the right lending decisions for our clients.

Minimum income level on 5.5x lending:

Our loan to income ratio (LTI) up to 5.5x income for individuals or joint applicants has increased. Applicants must now have a total allowable income of at least £60,000 to access this LTI.

Any DIPs in process will remain at the previous LTI of 5.5x income up to £50,000
for a maximum of 30 days. 

All new DIPs keyed on or after 21 October will revert to the new minimum income level.

Please note: This change isn’t reflected in our affordability calculator at the moment.
If you’re looking to key a case between £50k and £60k, on 5.5x LTI, please contact our BDM team on 0321 333 1000 who’ll help you with this.

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