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.

Santander Product Update

View here for Santander’s latest announcements.   Please remember that you can access Santander products, including semi-exclusive mortgages, through our direct to lender mortgage club which pays on completion.  Contact us for more information. 

On Tuesday 22 September, we’re rolling on dates by one month and replacing fixed rate product codes. There will be no changes to product rates or fees.

Further information 

  • Product early repayment charges may apply, plus the repayment of any benefit package cashback or paid standard legal work.
  • Charge and benefit end dates and the completion deadlines on our range will move on.
  • Fixed rate product codes will be replaced.

For full details of our new business mortgage range please see the Rate Bulletin (Issue 20) which will be available on our website on Tuesday 22 September.

Important Buy to Let lending criteria changes

From Sunday 27 September we’ll no longer accept the following income types towards the £25,000 minimum income eligibility for Buy to Let applications:

  • Child Benefit
  • Child Tax Credit
  • Working Tax Credit/Pension Credit
  • Maintenance payments.

Pipeline rules

All full mortgage applications (FMAs) already submitted on Introducer Internet by 9pm on Saturday 26 September won’t be affected by this Buy to Let change. Any FMAs submitted from 6am on Sunday 27 September, or where a material change is made to an FMA submitted before 9pm on Saturday 26 September, will be assessed on our updated income policy for Buy to Let.

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