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.

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


We’re delighted to announce that we’ve launched our new Intermediary Product Switch Portal which provides a seamless and simple way to undertake a product transfer for your clients using state of the art technology and is accessible on a desktop, tablet or mobile phone.

We have developed a bespoke solution, in conjunction with intermediaries, provides a tailored journey, which offers the best options for the client and can be arranged in 15 simple clicks, taking less than 15 minutes.

Vida Product Withdrawals and Rate Changes

Limited Edition – Fixed Fee 5 Year BTL

We have reduced price on our existing fixed fee (£1,995) Limited Edition range, with each initial rate being reduced by 10bps:

  • BTL 2 year 75%                         3.14%
  • BTL 5 year 75%                         3.39%
  • BTL 2 year 75% HMO               3.29%
  • BTL 5 year 75% HMO               3.64%

 Key USP’s for these Limited Edition BTLs are:

  • Loans up to £1,000,000.
  • Available for SPVs, HMOs and MUBs.
  • No minimum income.
  • Available for both purchase or remortgage.
  • Ltd Company/SPV ownership allowed.
  • Up to 20 properties with a maximum portfolio of £4m with Vida
  • No limit to BTL portfolio size held with other lenders.
  • Fixed Fee of £1,995 can be added to loan.
  • £180 assessment fee payable on all applications.

Residential Vida 1 Products

Selected rates on our Vida 1 product range have been increased and new rates from 2nd July include:

  • Vida 1 2 year 70% –   3.24%
  • Vida 1 2 year 75%  – 3.29%
  • Vida 1 2 year 80%  –  3.69%
  • Vida 1 2 year 85% –  4.29%
  • Vida 1 5 year 85% – 4.29%

 Key Residential USPS are:

  • Available for properties in England, Wales and Scotland.
  • Available for Home Movers, Remortgages or FTBs.
  • Complex incomes and low credit scores welcomed
  • Up to 4 applicants with combined incomes
  • Product fee £995, can be added to loan.
  • £180 assessment fee payable upfront on application.

Help to Buy

The following Help to Buy products have been increased and new rates from 2nd July include:

  • HTB Vida 1 2 year 75% –   3.94%
  • HTB Vida 1 5 year 75% –   4.24%


  • Available for properties in England and Wales  
  • Initial offer valid for 6 months with potential to extend.
  • One free standard valuation.
  • A £200 contribution towards legal fees paid within 30 days of completion.
  • Product fee £995, can be added to loan.
  • £180 assessment fee payable upfront on application.

HTB Guide

Residential Guide

BTL Guide

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