Brilliant Solutions

The internet is down in our Head Office.  Staff continue to answer the phone and respond to messages but understandably response times and service standards are affected.  Please contact your Relationship Manager directly if you have any urgent issues.  Thank you.

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

Vida residential mortgage products from 3.13%

We are pleased to announce rate cuts of up to 95bps across our residential range, along with the reintroduction of residential purchase products. The reductions apply to Vida 1,2 and 3 residential purchase and remortgage ranges, making the prices some of the most competitive in the specialist market.

Today’s changes are part of our continuing commitment to offer mortgage intermediaries a wide range of flexible residential and BTL criteria at competitive rates, catering particularly for those customers whose finances have been affected by the Covid-19 pandemic through no fault of their own..

We have also simplified our approach to applicants who may have been on furlough, by considering those who have returned to work.

RESIDENTIAL & REMORTGAGE

  • 2 year fixed rates from 3.13%
  • 5 year fixed rates from 3.49%
  • Rate cuts across Vida tiers 1-3
  • Up to 80% LTV

COMBINED WITH OUR SPECIALIST CRITERIA

  • Minimum loan size £100,000
  • Complex incomes and low credit scores
  • Up to 4 applicants with combined incomes
  • First Time Buyers welcomed

BTL HMOs & MUBs

  • 2 year fixed rates on HMOs & MUBs from 3.09%
  • 5 year fixed rates from 3.49%
  • Up to 75% LTV
  • 1.5% product fee
  • Vida Flex available for HMOs & MUBs from 3.84%

COMBINED WITH OUR SPECIALIST CRITERIA

  • Minimum loan size £100,000
  • Rental cover from 125%
  • SPVs accepted across BTL ranges
  • Impaired & improving credit history
  • Portfolio landlords, up to £4m
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