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.

Clydesdale Bank Update

Clydesdale Bank has announced an important product update for advisers.  Please see below for more details.  Contact us for more information, alternatively, you can visit their website here.


We’re increasing selected Clydesdale Bank rates

We wanted to let you know that we’re making some changes to the following Clydesdale Bank mortgages at 8pm today.

We’ll replace our current 2 year fixed rates with £999 and £1,499 fees with the following:

  • 2 Year Fixed Rate at 1.95%, available up to 80% LTV. This rate is available across all repayment types.

We’ll replace our current 75%-90% LTV Full C&I range with the following:

  • 2 Year Fixed Rate with £999 fee at 1.89%, available up to 90% LTV.
  • 2 Year Fixed Rate Fee Offer at 1.98%, available up to 90% LTV.

We’ll also make the following changes:

  • £1m+ 65% LTV fixed rates will be increased by 0.05%.
  • Selected 75% and 80% LTV 5 year fixed rates will be increased by up to 0.13%.
  • Selected 85% and 90% LTV 2 year fixed rates will be increased by up to 0.20%.
  • BTL 60% LTV 2 Year Fixed Rate with £999 fee will be increased to 1.79%.

If you’re applying for one of these mortgages on behalf of your customer, please send us the application as soon as possible.

You can find our current rates on our website.

Improved Clydesdale Bank new build incentives

We’ve got good news about Clydesdale Bank’s New Build and Newly Qualified Professional mortgages, take a look at what’s new.

Better for Newly Qualified Professionals

We’ve reduced the minimum income required for Newly Qualified Professionals from £40k to £30k so we can say yes to more customers.

Eligible customers taking one of our NQP products benefit from enhanced income multiples of up to 5.5x. Check out our criteria for more information and a full list of accepted occupations.

Our new lending criteria is now live and our affordability calculator and AIP are in the process of being updated.

Improved new build incentives criteria

We now accept cash incentives of as much as 5% of the purchase price up to 90% LTV. This includes cashback deals, stamp duty contributions and payment of professional fees.

What’s more, we also accept non-cash incentives without impacting the loan amount.

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