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

Criteria Wrap-Up: Adverse

Here’s a wrap-up of our adverse criteria and how we can help your specialist customers to get life moving.

  • No limit on the value of CCJs (County Court Judgements).
  • Vida 6 allows 0 CCJs in last 6 months.
Arrears and Missed Payments
  • Telecom and utility missed payments ignored when assessing adverse tier.
  • All historic secured arrears must have been made up to date for at least 6 months prior to application.
  • Combined value of missed unsecured payments in the last 6 months, £500 for Vida 24 and Vida 6, £250 for Vida 36.
  • Applicants with bankruptcy, IVA, DRO allowed 3 years after discharge.
Debt Management Plans (DMPs)
  • Debt Management Plan considered, subject to satisfactory affordability and conduct checks.
Did you know?
  • Should your customer fall outside our three Credit Tiers, we may still be able to help! Our 15 Packager Partners have access to an exclusive credit tier and products. Take a look here.

Let’s get life moving for you and your customers.

Take a look at our lending criteria or download our criteria guide:

View our lending criteria >>

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