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.

Santander 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.  Visit Santander for Intermediaries website

FTB exclusives with £500 cashback & other product changes

On Tuesday 24 May, we’re introducing new First Time Buyer Exclusive products which offer £500 cashback, as well as reintroducing £250 cashback to selected purchase rates. We’re holding our new business rates and making reductions to selected product transfer rates.

New business
  • 85% and 90% LTV first time buyer exclusive rates with £500 cashback.
  • £250 cashback added to selected residential purchase, new build and Help to Buy rates.
  • No changes to BTL range.

Visit our website for full details of our new business changes.

Find out more.

Product transfers
  • Selected fixed rates reduced by either 0.05% or 0.10%
  • Santander product transfer rates are personalised to each customer, so you won’t find them on sourcing systems. Please log on to our Online Mortgage Transfer Service in Introducer Internet on behalf of your client to view the rates available to them.
Monthly Housekeeping
  • Roll on of our charge and benefit end dates by one month
  • Completion deadlines have been rolled on to:
      • 5 October 2022 for product transfers
      • 4 November 2022 for remortgages
      • 30 November 2022 for purchases
  • Fixed product codes will be replaced on all new business products.
Further information
  • For full details of our new business mortgage range please see the Rate Bulletin (Issue 9) which will be available on our website on Tuesday 24 May
Great news! Self-employed applicants can now borrow up to 90% LTV

On Thursday 26 May, following the new lending policy in April, we can now confirm that we’re increasing our LTV for self-employed applicants from 75% to 90%. Existing Santander mortgage customers moving home will continue to be able to borrow up to 95% LTV.

Our affordability calculator will be updated to reflect this change so please use this calculator on our website to make sure you get an accurate reflection of what we can lend your clients.

Limited company directors

Please remember, for limited company directors:

  • We only accept an accountant’s certificate – not tax calculations (SA302s) and TYOs.
  • Use the business year-end salary and dividends for income assessment from the accountant’s certificate (not tax year-end figures).
  • Use the income from an accountant’s certificate in the affordability calculator before submitting an AIP or FMA, to make sure you use the correct income and net pay figures.
How are we supporting the change?

This change will be reflected in our affordability calculator and on our website.

All full mortgage applications (FMAs) submitted on Introducer Internet from 6am on Thursday 26 May will be assessed using the higher LTV.

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