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.

The Brilliant Loans direct number, 01792 277 277,  is not currently working.

Please Call us via Brilliant Solutions on 01792 277 555, option 3

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.

Coventry Update

Coventry have announced an intermediary update which is available below.  Coventry and Godiva products are available through our direct to lender mortgage club so contact our team to find out how we can help you and our business with our mortgage support. 

Product updates

Coventry for intermediaries reduces rates on BTL mortgages

Coventry for intermediaries have announced they’ve reduced rates across their BTL product range at 70% LTV and below by 10 basis points. Products are available at 2 and 5 Year Fixed and the range includes no product fee options. They’ve also reduced the rates on their Portfolio Landlord range.

Highlights of their competitive new range include:

  • 2.15% 2 Year Fixed to 31.07.23 with ERCs until 31.07.23. 65% LTV, no product fee. (Available for purchase, remortgage, product transfer and further advance)
  • 1.89% 5 Year Fixed to 31.01.27 with ERCs until 31.01.27. 65% LTV, £1,999 product fee. (Available for purchase, remortgage, product transfer and further advance)

Jonathan Stinton, Head of Intermediary Relationships, said: “This is good news for intermediaries and their landlord clients as our Buy to Let range is now even more competitive. With many large Buy to Let maturities due soon, this will help to support the market.

“Plus, as with all our Buy to Let mortgages, there’s no minimum income requirement and includes a standard valuation fee up to £700.”

To see the full product range, visit

Changes to our affordability model

Great news!

We’ve recently updated our affordability calculator and widened some of our lending policy.

What’s new?

  • We’ve improved our income multiples for loans with an LTV greater than 90% from 4 to 4.49 times. Changes are effective from 13 May 2021. Any pipeline applications will proceed onto the higher amount.
  • We’ll now accept annual bonuses – 50% of the average of the latest 2 year’s annual bonus, or 50% of the most recent year’s annual bonus figure, if lower
  • And also, 50% of regular bonus payments will be accepted for affordability purposes – the last 3 month’s evidence must be provided to show a consistent level of earnings.
  Try our affordability calculator  
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