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.

The Brilliant Loans direct number, 01792 277 277,  is not currently working.

Please Call us via Brilliant Solutions on 01792 277 555, option 3

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.

Natwest Update

NatWest for Intermediaries has released a product update. For their latest products visit the product page on their website or the news section of their intermediary website.  A summary of the changes is below.  Contact us for more information. 


No more hard-footprints for an Agreement in Principle – Coming 26th April

We are introducing a new credit decision engine that will initially be available exclusively for brokers from 26th April.

There will be many benefits for customers who choose a NatWest mortgage via an intermediary, including that there will be no hard footprint left at the Agreement in Principle (AiP) stage and no limit to the volume of AiPs for each customer. Only at the full mortgage application stage (FMA) will the soft footprint be converted into a hard footprint.

Other benefits include:

  • The AiP will be guaranteed for 30 days, provided that no changes are made
  • We have simplified our decision and warning messages to provide you with greater clarity and understanding
  • The streamlining of back end processes mean that you should see a reduction in requests for customer identification
  • We will, in future, be able to display the relevant packaging requirements to your customer in a more bespoke fashion
  • Should any reassessment of the application be necessary, the original parameters set out in the AiP will persist for the life of application

AiP transition period

  • AiPs completed before launch of the new decision engine on 26th April must be progressed to FMA by the 7th May.  After this, your AiP will expire.  All new AiPs started after 26th April will be valid for 30 days.
  • For those cases started before 26th April, we will require supporting documentation to be provided within 15 working days. 
NatWest to introduce rate reductions and changes to Early Repayment Charges

Effective from Monday 19th April 2021 we will be making a variety of changes to our product range for new customers.

These changes include rate reductions of up to 15bps across a wide variety of LTV bandings and support numerous customer types, from those wanting a help to buy mortgage, to customers looking at Green Mortgages.

We are also implementing changes to our Early Repayment Charges, and our end dates.

Summary of changes:

New Business

  1. Core Range – Rate changes
  • Purchase: Rate reduction of up to 5bps on selected 2 year deals.
  • Remortgages: Rate reduction of 5bps and 2bps on selected 2 and 5 year deals respectively.
  • Remortgages – High Value: Rate reduction of 5bps and 2bps on selected 2 and 5 year deals respectively.
  • First time buyer: Rate reduction of 2bps on 90% LTV deal
  • Shared equity – Purchase: Rate reduction of 15bps on selected 5 year deals
  • Help to Buy – Purchase: Rate reduction of 15bps on selected 5 year deals
  • Green Mortgage – Purchase: Rate reduction of up to 5bps on selected 2 year deals
  1. Core Range – Rate and cashback changes
  • Purchase: Rate reduction of 5bps on 90% LTV 5 year deal, with cashback decreasing from £250 to £0
  • Shared Equity – Purchase: Rate reduction of 10bps on 70% and 75% LTV 2 year deals, with cashback increasing from £0 to £250
  • Help to Buy – Purchase: Rate reduction of 10bps on 70% and 75% LTV 2 year deals, with cashback increasing from £0 to £250

Early Repayment Charges

Early Repayment Charges

Product & Term

Years Remaining

Pre 19th April 2021

From 19th April 2021

5 Year Fixed
















2 Year Fixed







2 Year Tracker







All new mortgage contracts from the 19th April will have the new ERCs applied. All existing customer contracts will remain on the previous ERC percentages.

End dates

 2 Year Term End Dates Moving from 30 June 2023 to 31 August 2023

5 Year Term End Dates Moving from 30 June 2026 to 31 August 2026

You can download a PDF of the updated product ranges on our Website. For a full summary of the changes, including transitional arrangements, visit the Latest News section on our home page.

NatWest Introduces 95% Mortgages in Support of First Time Buyers

  • NatWest is one of the first major lenders to introduce product under mortgage guarantee scheme
  • Move underscores the banks commitment to supporting young homebuyers

 19 April 2021 – NatWest is introducing a range of 95% loan to value (LTV) residential purchase mortgages to enable customers with smaller deposits to own their own home.

From April 19th, the bank will be introducing 95% LTV products for its NatWest and Royal Bank brands, in line with the Government’s announcement on the new mortgage guarantee scheme.  NatWest will be one of the first lenders to offer this for both first time buyers and existing homeowners, signalling a commitment to low deposit lending.

NatWest Group has supported almost 400,000 customers in the last year looking to obtain a new mortgage deal. More customers than ever before are applying for a mortgage digitally with approximately 30% of customers choosing to apply online.

Miguel Sard, MD of Home Buying and Ownership at NatWest said: “We welcome the Government’s new mortgage guarantee scheme to give further support to those with smaller deposits. For those customers, particular younger or first time buyers, saving up for a big deposit can often be difficult, and we know people in these groups are some of the hardest hit by the effects of the pandemic. A government backed scheme will help segments of the market for whom home ownership has felt far out of reach in recent months..”

The Scheme is to launch initially through our Direct Mortgage channel only, with the intermediary channel to follow. The date of launch for the intermediary channel will be confirmed in due course.

The staggered approach is necessary in order to provide sufficient time for NatWest Intermediary Solutions to implement enhancements to their systems which will benefit the broker mortgage experience. Time is needed to ensure that the functionality and benefits that will be realised through the system changes are fully embedded and effective. News of these changes will be shared with the market in due course.

NatWest’s 95% product announcement also follows the introduction of the banks’ first ever ‘Green Mortgage’, which offers a discounted interest rate to customers purchasing a property with an Energy Efficiency Rating of A or B. The Green Mortgage supports the bank’s pledge to help customers become more energy efficient with an ambition that 50% of the bank’s mortgage book is at or above EPC C or equivalent rating of C by 2030.

Share this:
Scroll to Top