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.

TSB Update

See the latest announcement from TSB below.  Note that you can access TSB via the Brilliant Solutions mortgage club but the lender does place some restrictions on access. Contact us for details.  

TSB Mortgage Product Guides are available here but check the date to ensure it has been updated to reflect the announcements below.


TSB are increasing rates on the following Residential Fixed Rate products from 21 June 2022.

  • 2 and 5 Year Remortgage, 0-90% LTV by up to 0.60%
  • 2 Year Shared Equity Remortgage, 0-75% LTV, by up to 1.25%
  • 5 Year First Time Buyer and House Purchase, 0-75% LTV, by 0.35%

Brokers will be advised of withdrawals on Monday 20 June at 2:30pm, and asked to submit existing applications for these products by 8pm on Monday 20 June as they won’t be available after this time.

IMPORTANT NEWS FROM TSB: Updates to foreign applicant underwriting referral criteria

From Tuesday 21 June, TSB will no longer refer all cases for applicants on a visa to underwriting.

Instead, they’ll only accept house purchase and remortgage applications for those who meet the following criteria:

  • They must have lived within the UK for a minimum of 12 months
  • Minimum of 18 months remaining on their visa
  • Maximum LTV of 75% (this limit includes any fees added to the loan and is based on market value for all application types (e.g., Shared Equity))
  • Self-funded minimum deposit of 25% (this excludes shared equity, shared ownership and Help to Buy)
  • The mortgage is on a repayment basis

The applicant must hold one of the following acceptable VISAs:

  • Skilled Worker visa
  • Family visa (Partner/spouse/family member) *
  • Health and Care Worker visa
  • UK Ancestry visa
  • British National (Overseas) visa

*Single applicant applications on partner/spouse visa may be considered on a case-by-case basis by Underwriting.

This change will provide brokers with more clarity on acceptable applicants, and help to reduce underwriting timescales, resulting in quicker offer times for those applicants who can be accepted for a mortgage with TSB.

All information is available on the foreign nationals section of TSB’s website

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