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Why Equity Release?

Part of your later life advice. Whether you refer, use a support team or advise yourself. It’s a revitalised product with huge benefits for you and your clients.

A BREAKDOWN OF THE

Benefits of Equity Release

Clients

Client Benefits

Avoid Downsizing

This can be incredibly important for many with family homes and a retirement income shortfall. Asset rich and cash poor clients no longer need to sell their family home which gives stability and security in their lives and can have a huge emotional impact.

Solutions for Mortgage Prisoners

Whether clients are stuck on interest only mortgages or are a mortgage prisoner for any other reason, Equity Release can be a viable solution.

Minimise Tax

Whether it is IHT or other forms of taxation, equity release can form part of the tax planning toolkit.

Support for Family Members

First time buyers are getting more support than ever from others and this can often mean using intergenerational sources of funding. Equity release can unlock funds to help family members in need.

Lifestyle

Whether it is for a second home, a holiday of a lifetime or simply more income to enjoy a retirement, equity release allows clients the freedom to choose.

Cheaper than Alternatives

There are occasions when an equity release mortgage with a repayment plan may be cheaper than an alternative term mortgage or other sources of finance. New products give more choice and flexibility too.

Pay-off Debts or Mortgages

It may be the best means of solving a debt repayment or interest only mortgage problem which in turn can solve a retirement income gap too.

Care & Treatment

It may be the case that clients wish to receive expensive care or treatment, perhaps care in their own home. This can be incredibly expensive but equity release can make this feasible.

Brokers

Broker Benefits

Better Client Outcomes

That is what this is about. Make sure they get the better outcomes (see Client section above and Product section below) through you and not with another adviser.

Earn More

Not only are equity release cases lucrative but they also enable cases to complete that would not have completed otherwise and in addition, present fantastic opportunities to talk about intergenerational support; bolstering your FTB completions too.

Beat the Competition

Not only will better advice help you to stand out and earn you more referrals but your clients will not be going elsewhere either. Build your business and your referrals.

Considering Equity Release Is Good Advice

Any negative reputation within the market has gone. Products are client centric and need to be considered in line with all later life lending products. They could even be raised by first time buyers.

Growing Market, Here to Stay

Thanks to the demographics of the nation, the market is only growing. Add to that the intergenerational support and the development of the products. This is an exciting growth area for all involved, a fact that is well publicised.

Advise, refer or Use Our Team. You Choose.

Rather than simply talk to an equity release business or take cases on yourself, you now have the option to talk to Brilliant to ensure that all alternatives are considered. You can then advise or refer with confidence. Our mortgage club includes equity release lenders and our referral proposition stands out from others.

Make Equity Release part of your later life lending advice

If you want to advise we can support you with our mortgage club which includes excellent equity release solutions and support.

If you wish to refer a client to an equity release specialist then we have a referral proposition that stands out. Have a look at our Equity Release Referral proposition.

Don’t forget you can also talk through queries with our team on 01792 277 555. We will consider all alternatives, not just equity release.

Client friendly modern equity release products

A ‘No Negative Equity’ guarantee
Repayment options available
Lifetime mortgages mean your clients always own their home
Reputable lenders such as LV=, Aviva and Legal & General

WORKING TOGETHER TO GROW YOUR BUSINESS
Support to generate new equity release clients
Help to drive interest from your existing clients
Marketing support
Work with you to build your equity release business
Training material for you and your business

Interested?

Get in touch and talk to the partners directly. Let us know about your business and what you want from equity release.

Start Your Equity Release Journey

Consider Scenarios

If you think there is a chance of an equity release alternative then why not run the case past our team? We can also support with alternative later life lending solutions.

Consider Scenarios

Refer

Refer a case and build a relationship with our referral partner. Get to know how they can work with you and your clients to get the best outcomes for your clients.

Refer

Develop

Build your practical understanding and possibly even get qualified. Refer directly with confidence and start to generate more business yourself.

Develop

Build Your Business

Start building your equity release business by working with your referral partner and using your own methods to increase the levels of equity release completions. This applies to your existing clients as well as attracting new ones.

Build Your Business

Advise or Refer

Volumes and knowledge levels are high so it’s a great time to advise but you can always refer if it suits you.

Advise or Refer

How will you look after your Equity Release clients?

David Smith

Priors Mortgages

What a difference to other Mortgage Clubs we have used, particularly with the clarity of procuration fee statements. A breath of fresh air!”

Rob Field Cert CII (MP)

Mortgage Adviser

Everyone at Brilliant is highly informed and across any and all up to the minute product and criteria offerings from the lenders.

Anyone I have spoken to has provided a genuine high level of service and interest in my business which really makes them a “go-to” contact.

In addition to giving advice and support for the packaged panel, the team at Brilliant also provide insight and help for brokers to find solutions with the non-packaged lenders.

Their recent series of webinars hosted in partnership with the various panel lenders have proved to be extremely useful.

Brilliant are a firm that does precisely what it says on the tin!

Sam Clark

Director / Adviser | CSC Financial Ltd

Brilliant Solutions and their team have been excellent in supporting my business over the past 6 years.

Matthew Arena and Michael Craig have built an amazing team of specialists who have helped my business grow. All of the team are friendly and go the extra mile to help my clients and advisers achieve their goals.

I have found their webinars and workshops over the past year to be very informative, and they were delivered in a professional but informal way.

Michael Craig has brought brokers and lenders together in social Zoom meetings by way of quiz evenings and charity poker events, this has kept broker/lender relationships strong, and in some cases, new relationships have been built off the back of these events.

The icing on the cake is that Brilliant are the only mortgage club I can think of that pay commissions to brokers within 24 hours of completion, and in the majority of cases on the same day! In the initial months of the pandemic, I am sure this certainty over cash flow helped keep some companies afloat.

Well done Matthew, Michael and all of the team at Brilliant; keep up the good work!”

Rakesh Chandarana

Lord Clarke Ltd

Brilliant Solutions Mortgage Club are a pleasure to work with. In the time that we have been dealing with Brilliant we have found that they, and in particular Ivan Vizor place as much emphasis on my client and the right solution as they do on ensuring the service they give to us is from the top drawer. As the mortgage industry changes its paramount that we connect with the right partners to help us evolve and Brilliant are an excellent partner to work together with Lord Clarke Ltd.

Jagdev Singh Saran

Goldwire Financial Solutions Limited

We can not be happier with the service we have received from Brilliant Solutions since joining them. They are taking an active interest in our business and are regularly in contact which means a lot. They have a wide range of services which we and our ARs have been taking advantage of. From a Mortgage Club point of view we have yet to be involved with a club that pays faster and more importantly provides easy to follow statements which greatly helps our back-office accounts team when reconciling payments and allocating to Advisers and ARs. Our business is a complicated setup but Brilliant Solutions took the time to understand it and then accommodate it into their framework. Brilliant Solutions have also introduced to lenders who we were not working with which can only be beneficial for our clients who are the most important people to us.

Mostafizur Rahman

Beneco Financial Services

I have been working in the mortgage industry for a number of years and one of the best decisions I have made as a director of a DA firm is to use Brilliant Solutions as our mortgage club. The support, process and services we are getting from Brilliant Solutions are second to none. They make every aspect of using a club so easy, they have everything we need online and it’s always a very quick process

Chris Coxill

Shore Financial Services Ltd

I have been a mortgage adviser for many years and have to say that Brilliant Solutions are by far the best mortgage club I have ever dealt with. Their service is first class and any queries are dealt with immediately. I have had many cases complete in the afternoon and Brilliant Solutions have the procuration fee paid out and in the bank the same day, by approximately 5pm, the same day. Why would you want to use any other mortgage club?

Midvale Financial Services Limited

Brilliant Solutions are very aptly named, they offer so much more than merely a distribution route for lenders’ products. Their express fee payment system is extremely quick and easy to use and allows procuration fees to be received at the point of completion rather than days or weeks later which makes a huge difference to the cash flow of small broker businesses. The knowledge and support provided by the BDMs is tremendous, a promised call back in a certain amount of time is always honoured and the regular webinars on industry issues are relevant and punchy. I would have no reason at all to use any other Mortgage Club.

Helen Clark

Heartstone Ltd

Brilliant Solutions go the extra mile to find the right lender, the right product and they do it with the right attitude.

Wayne Wells PLS

Financial Services Ltd

I moved my mortgage club to Brilliant Mortgages last year after over 20 years in the industry and can honestly say they are the best club I have ever used.

Alun Griffiths

Griffiths & Griffiths

Use the mortgage club and you will get a personal service that you can rely on. Thanks for your continued support.

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