Brilliant Solutions

Vida Update

Vida  Homeloans has updated its range across the direct to lender and packaged range.  Brilliant Solutions offers fees free packaging across the range as well as direct to lender access with payment on completion.  Vida’s rates are available here and details on Vida’s criteria is available here.  For more information you can contact our teamLOGIN to Vida here

NEW BTL Limited Editions Available

Our new BTL Limited Editions are now live

Our new Limited Edition products include options for personal ownership, limited company, HMO/MUB and limited company HMO/MUB.

All of the products are up to 75% LTV and on Vida tier 48 and include varying fee options to suit your clients requirements

For landlords looking to borrow a larger loan:

> Standard, £4,995 Fee, max loan £1m – Initial rate: 3.14%
> HMO, £4,995 Fee, max loan £1m – Initial rate: 3.24%

For landlords looking to save on fees:

> Standard, Limited Edition Fee Saver, £0 fee, max loan £750k – Initial rate: 3.24%
> HMO, Limited Edition Fee Saver, £0 fee, max loan £750k – Initial rate: 3.39%

Limited Edition Fee Saver product includes one free valuation for properties valued up to £1m. Plus, a £250 contribution towards legal fees paid within 30 days of completion.

All Limited Editions are available for purchase or remortgage.

As Limited Editions, these products may be withdrawn at short notice.

All of our products and rates including these new Limited Editions can now be viewed live on our website.

Take a look.

 Important changes to our Contractor criteria

As the lending specialist, we are here to assist all contractors, including those with a less than perfect credit record.

We have listened to your feedback and are pleased to announce a range of enhancements to our contractor criteria, to help get life moving for your clients.

These changes are under embargo until Friday 1st April.


> Enhanced affordability: 48x weekly rate for self-employed contractors
> Day 1 contractors considered where at least a 1 year track record of employment within same line of work
> CIS workers now only need to provide 1 year’s SA302 and tax year overview along with the last 3 months’ payslips or invoices
> All LTVs and Adverse Tiers available to contractors

Plus, reduced minimum time requirement in 2nd job down to 3 months

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