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.

Bluestone Update

 Are your customers struggling with affordability right now?

We can now consider lending over 4.5x income across our full product range, as we seek to further support underserved customers with their home ownership dreams. 

This new affordability model is exclusive to our Sapphire Club members (available through Brilliant Solutions) and can enable borrowers who have a 12 month history of current rental or mortgage payments in excess of the proposed monthly mortgage payment to borrow more. 

Many potential first-time buyers paying regular rent, for example, are not able to secure a mortgage due to inflexible and strict affordability requirements, despite being able to evidence their ability to maintain the rental payments. 

At Bluestone, we want to make homeownership accessible to all, which is why we have made these enhancements to our LTI ratios, to support this growing cohort of disenfranchised customers.

Here is a quick summary of the key features;

  • Bluestone monthly mortgage payment must be equal to, or less than 90% of the current mortgage / rental payment
  • Full 12 month payment history required
  • In these cases, an LTI ratio of over 4.5x will be available
  • Available across all residential credit tiers, including Help to Buy and Right to Buy, with no LTV restrictions
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