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

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

 

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 / 23rd February 2024 / 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 Friday 23rd February, we’ll be making a number of changes to our residential and Buy to Let (BTL) mortgage product ranges.

Summary of changes:

Existing residential customer switching

  • 2 & 3 Year Fixed Fee Saver at 60%, 70%, 75%, 85%, 90% and 95% LTV increased
  • 2 & 3 Year Fixed Standard at 60%, 70%, 75%, 85% and 90% LTV increased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV increased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV increased
  • 10 Year Fixed Fee Saver at 60%, 70%, 75% and 80% LTV increased
  • 10 Year Fixed Standard at 60%, 70%, 75% and 80% LTV increased
  • 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV increased

Existing residential customer borrowing more

  • 2 & 3 Year Fixed Fee Saver at 60%, 70%, 75%, 85% and 90% LTV increased
  • 2 & 3 Year Fixed Standard at 60%, 70%, 75%, 85% and 90% LTV increased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV increased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV increased
  • 10 Year Fixed Fee Saver at 60%, 70%, 75% and 80% LTV increased
  • 10 Year Fixed Standard at 60%, 70%, 75% and 80% LTV increased
  • 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV increased

Residential First Time Buyer / home mover

  • 2 & 3 Year Fixed Fee Saver at 60%, 70%, 75%, 85%, 90% and 95% LTV increased
  • 2 & 3 Year Fixed Standard at 60%, 70%, 75%, 85% and 90% LTV increased
  • 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV increased
  • 5 Year Fixed Standard at 60%, 70%, 75%, 85% and 90% LTV increased
  • 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 85% and 90% LTV increased

Residential remortgage

·         2 Year Fixed Fee Saver at 80% and 85% LTV increased

·         2, 3 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV increased

·         3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV increased

·         5 Year Fixed Fee Saver at 60%, 70%, 75% and 90% LTV increased

·         10 Year Fixed Fee Saver at 60%, 70%, 75% and 80% LTV increased

·         10 Year Fixed Standard at 60%, 70%, 75% and 80% LTV increased

·         5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV increased

·         2 Year Term Tracker Standard at 60% LTV increased

Residential remortgage cashback

·         2 Year Fixed Fee Saver at 80% and 85% LTV increased

·         2 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV increased

·         5 Year Fixed Fee Saver at 60%, 70%, 75% and 90% LTV increased

International Residential

·         2 Year Fixed Fee Saver at 60% LTV increased

·         2 Year Fixed Standard at 60%, 65% and 75% LTV increased

·         3 & 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increased

·         3 & 5 Year Fixed Standard at 60%, 70% and 75% LTV increased

·         5 Year Fixed Premier Exclusive at 60%,70% and 75% LTV increased

·         10 Year Fixed Standard at 60%, 70% and 75% LTV increased

·         10 Year Fixed Fee Saver at 60%, 70% and 75% LTV increased

·         2 Year Term Tracker Standard at 60% LTV increased

Existing BTL customer switching / borrowing more

  • 2 & 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV increased
  • 2 & 5 Year Fixed Standard at 60%, 65% and 75% LTV increased

BTL purchase / Remortgage

  • 2 & 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV increased
  • 2 & 5 Year Fixed Standard at 60%, 65% and 75% LTV increased

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

Further information

  • Use our ‘Chat with us’ service to request a rate change on an existing mortgage application. Please note, due to increased demand, wait times may be longer than usual. 
  • To secure existing product codes, please submit applications in full by midnight, Thursday 22nd February.
  • 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 Friday 23rd February.
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