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.

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

Hodge Reduce Rates across 50+, RIO and Holiday Let

Great news! from today (26 October), we’re reducing rates on lots of our mortgages!

The changes include:

  • Reducing 50+ Mortgage 50% LTV and 60% LTV rates by 0.30%
  • Reducing RIO Mortgage 50% LTV rates by 0.20%
  • Reducing HBTL Mortgage 75% LTV rates by 0.10%
Download our current rates, including the recent changes:
What makes us different?
For 50+ and RIO Mortgages, at Hodge we…
  • Consider earned income, both employed and self-employed, up to a maximum age of 80
  • Look at both pre and post retirement income, there’s no upper age limit if the mortgage is affordable on pension income
  • Can lend up to six times income on a like-for-like remortgage
  • Lend from age 50 with a maximum term of 41 years for 50+ with no end date for RIO
  • Only one client needs to be aged 50, we can look at a second applicant under 50 in this instance
For Holiday Let Mortgages, at Hodge we…
  • Don’t require a minimum income
  • Allow 90 days personal occupancy
  • Accept first time landlords and Air B&B with up to 3 properties considered
  • Lend from aged 21 to age 95
  • Enhanced rental calculation for 5 year fixed
  • Non-owner occupiers considered

Don’t forget, your customers still have the option of an annual 10% overpayment facility across our entire range as well as the flexibility of our Early Repayment Promise, where they can sell-up and repay in full without early repayment charges, for added peace of mind. They also have a choice of interest only or repayment for 50+ and Holiday Let.

Emma Graham, Director of Business Development at Hodge said: As a specialist lender in a highly competitive market-place we’re delighted to launch these lower rates across both our later life and holiday let propositions. These reductions in parallel with our common-sense approach to lending and our underwriters willingness to assess cases on their own merits means we can now support more of your customers with their lending needs.

Whether your looking for a mainstream mortgage for your over 50s clients, a RIO as a great alternative to equity release or a flexible and innovative holiday let mortgage, we can help.

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