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.

Suffolk Building Society Update

Here are the latest updates from the Suffolk Building Society.  These products are available via our direct to lender mortgage club which offers you payment on completion as well as specialist mortgage support and more.  Click here for a full list of Ipswich products.

 Great news – updated criteria guidance


  1. Overall Indebtedness of 10 x income

We have now removed the need for a limit of 10 x indebtedness on BTL applications. This is on the basis that we have other protections that reduce the risk of an applicant being overly indebted and unable to meet any potential rental voids. These include a max of 3 BTL property portfolio, a minimum BTL income and our credit search/manual underwriting. Underwriters will still underwrite cases manually so if there are concerns with the total mortgage debt on an application, further clarity on how any rental voids would be covered may be requested (i.e. proof of savings).

  1. ASTA’s for professionals

Previously we have insisted that our BTL security must be let to a single family unit. However, we have updated this to now accept up to a maximum of 3 professionals instead. The property must still be let via a standard ASTA agreement and not be classed as a HMO.

  1. Family applications

Historically we have been fairly comfortable with parents and children buying together but less comfortable where it’s siblings etc. This has now been updated and we are now happy to consider applications for related parties. The relation must be a close family relative, for guidance this would be the same as our gifted deposit definition of what we class as close family (parents, children, grandparents, siblings and step & adopted of these).

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