Brilliant Solutions

The internet is down in our Head Office.  Staff continue to answer the phone and respond to messages but understandably response times and service standards are affected.  Please contact your Relationship Manager directly if you have any urgent issues.  Thank you.

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.

BM Solutions Update

Here is the latest update from BM Solutions.  For further details visit their website. You can access BM Solutions products using the Brilliant Solutions direct to lender mortgage club and receive payment on completion.  Contact us for further information. 

BM Solutions Product Refresh:  Lender Announcement

Collection of Energy Performance Certificate ratings

Lloyds Banking Group has committed to reduce carbon emissions we finance by 50% by 2030. We are also supporting the government ambition for all homes to have an Energy Performance Certificate (EPC) rating of C or above by 2035.

From Monday 13 February, BM Solutions will be introducing the capture of EPC ratings on new business applications, including transfer of equity (TOMP).

We will use the EPC details captured to automatically check eligibility (Properties rated A-C) for any Green product chosen, or to flag that a Green product has not been selected when the EPC indicates eligible. We will also stop applications at full application that have a rating of F or G.

When property details are completed on the application, we will display the latest EPC record from our database which is based on the Government EPC register. If the latest EPC details are not showing you will need to key details of the EPC and upload proof for us to check.

Properties that have a registered exemption from having to meet Minimum Energy Efficiency Standards (MEES) will need to be keyed as ‘Exempt’. The valuer will check the register and we will only contact you for a copy of the exemption if not on the register.

As we will not be checking eligibility until full application, care must be taken to select the correct product code at Decision in Principle stage. Green products which will start with ‘G’ can be selected where the EPC rating is A, B or C. Validation of the product will be done prior to full application submission and you will receive an on screen message asking you to rekey the quote and produce another illustration if the property EPC rating is not eligible for the product selected.

The EPC rating of a property can be checked online via find an energy certificate, or for Scottish properties via the Scottish EPC Register.

The website Criteria section will be updated.

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