Brilliant Solutions

CHRISTMAS OPENING HOURS – the office will close on Monday 23rd December at 5:30 pm and will re-open on Thursday 2nd January 2025 at 9 am

Office now closes 5pm on Fridays

We are experiencing some local grid power issues in the Swansea Office.  Sorry for any inconvenience caused, if you are unable to get through, please email [email protected]. We will return your call as soon as possible.

 

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.

HSBC Update

By / 18th September 2023 / BTL, Product Updates, Residential

See the latest announcement from HSBC below.  Note that you can access HSBC via the Brilliant Solutions mortgage club but the lender does place some restrictions on access. Contact us for details.  

HSBC Mortgage Product Guides are available here but check the date to ensure it has been updated to reflect the announcements below.

We’re changing our mortgage products

With effect from Monday 18th September, we’ll be making the following changes to our residential and Buy to Let (BTL) mortgage product ranges:

Summary of changes:

We will be introducing cashback offerings with an incentive of £350 across our 3 Year Fixed Standard and 3 Year Fixed Fee Saver products within our UK Residential First Time Buyer and Home Mover ranges.

Existing residential customer switching / borrowing more
  • 2 Year Fixed Fee Saver at 70% and 75% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 70%, 75% and 85% LTV decreasing
  • 5 Year Fixed Standard at 60%, 70%, 75% and 85% LTV decreasing
  • 5 Year Fixed Premier Exclusive at 60%, 70%, 75% and 85% LTV decreasing
Residential first time buyer / home mover
  •   2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 3 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV decreasing
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 5 Year Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Residential remortgage
  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 3 Year Fixed Standard at 60%, 70% and 75% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 85% and 90% LTV decreasing
  • 5 Year Fixed Standard at 60%, 70%, 75%, 85% and 90% LTV decreasing
  • 5 Year Premier Exclusive at 60%, 70%, 75%, 85% and 90% LTV decreasing
Residential remortgage cashback
  • 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 85% and 90% LTV decreasing
  • 5 Year Fixed Standard at 60%, 70%, 75%, 85% and 90% LTV decreasing
International residential
  • 2 Year Fixed Fee Saver at 60%, 70% and 75% LTV decreasing
  • 2 Year Fixed Standard at 60%, 70% and 75% LTV decreasing
  • 3 Year Fixed Fee Saver at 60%, 70% and 75% LTV decreasing
  • 3 Year Fixed Standard at 60%, 70% and 75% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV decreasing
  • 5 Year Fixed Standard at 60%, 70% and 75% LTV decreasing
  • 5 Year Premier Exclusive at 60%, 70% and 75% LTV decreasing
Existing BTL customer switching / borrowing more
  • 2 Year Fixed Fee Saver at 65% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
  • 5 Year Fixed Standard at 75% LTV decreasing
BTL purchase
  • 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
  • 2 Year Fixed Standard at 60%, 65% and 75% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
  • 5 Year Fixed Standard at 60%, 65% and 75% LTV decreasing
BTL remortgage
  • 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
  • 2 Year Fixed Standard at 60%, 65% and 75% LTV decreasing
  • 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
  • 5 Year Fixed Standard at 65% and 75% LTV decreasing

All of our fixed rate end dates will be extended as below:

  • 2 year fixed rates – 31st December 2025
  • 3 year fixed rates – 31st December 2026
  • 5 year fixed rates – 31st December 2028

 There are no changes to any other interest rates at this time.

Further information
  • To secure existing product codes, please submit applications in full by midnight, Sunday 17th September.
  •  All evidential and supporting documentation must be provided within 30 calendar days of submission.
  • The product finder tool and sourcing systems will be updated for Monday 18th September.
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