Brilliant Solutions

Express Payment Requests are showing error messages but please ignore these as the requests are being received. The error relates to the email confirmation only. 

The company will be closing early on Tuesday 16th September at 2pm for all staff training across all departments. We will be open as usual on Wednesday 17th September. We apologise for any inconvenience this causes. 

The deadline for express requests on the 16th September will be 1 PM.

 

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.

Hodge Update

Here is the latest update from the Hodge Bank.  You can access their full product set, including equity release via our mortgage club as well as some packaged mortgage options too. 

Latest Announcement from Hodge Bank

Introducing our specialist 95% LTV mortgage range
Support for borrowers with complex income from age 21 up to 95

Getting onto, or moving up, the property ladder has never been more challenging. To help your clients take the step they need, we’ve taken our commitment one step further by adding 95% loan-to-value (LTV) mortgage options across our Hodge Resi and Hodge Resi Retire ranges.

For us, it’s not just about a lower deposit, it’s about pairing that extra affordability with the tailored flexibility we’re already known for, helping more clients secure the right home for their future.

Greater access for borrowers who don’t fit the standard mould

We know many clients don’t always fit neatly into a standard high street lender’s box. They may have strong credit but complex income structures that need a more bespoke way of lending.

These enhancements give brokers more ways to help these clients, whether they’re  first-time buyers, second-steppers or high earning professionals with limited deposits or navigating major life changes like divorce.

Our 95% LTV mortgages are available to:

  • Customers aged 21 up to 95
  • Borrowers on terms of up to 40 years
  • Applicants with complex incomes, including self-employed
  • Those where 100% of all income will be considered
  • Clients who’ll benefit from manual underwriting so we can assess on a case-by-case basis

This flexibility removes unnecessary limitations and allows for a more personalised approach to affordability.

Why now?

These latest enhancements align with our shift towards “lifelong lending”, bringing together core residential and retirement propositions where lending is based on a customer’s aspirations rather than their age.

“Today’s borrowers are getting on the property ladder later and expect more from their first mortgage. Many have strong incomes and career potential but lack a large deposit or have income structures that don’t fit the high-street mould.

These changes respond directly to broker feedback and findings from the Financial Conduct Authority’s (FCA) discussion paper – The Future of the Mortgage Market, creating a compelling proposition for these customers and supporting good outcomes. This is about giving them the flexibility and personal approach they need to secure the right home for their future.” Emma Graham – Business development director

We make changes based on real customer need

We’ve seen a growing segment of customers in their 30s and 40s, often without financial support, looking for homes in desirable areas. They’re sometimes older first-time buyers or second -steppers juggling high rent and rising costs. By accommodating complex incomes and applying a common sense approach to underwriting, lower deposit options enable high-quality borrowers to access  greater mortgage opportunities.

Find out more

For more product details and criteria, visit our broker portal or speak to your local BDM today.

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