Brilliant Solutions

What Brilliant Solutions does

Brilliant Solutions (legal name Exclusive Connections Limited) is a UK-based mortgage distribution intermediary founded in 1994 and incorporated in 1996, headquartered in Swansea with a registered office in Peterborough. The company operates as a family-owned private business and is an appointed representative of Brilliant Mortgages Limited (FCA ref 611227), which trades as sister company Brilliant Money for regulated equity release referrals. Brilliant Solutions serves UK mortgage brokers and IFAs through three distribution channels: a Direct to Lender Mortgage Club offering access to 60+ lenders with proc fees and daily payment runs; a Specialist Packaging service providing fees-free case submission support for residential and BTL cases over £250K; and a Referral network for unregulated business, with regulated equity release handled via Brilliant Money. Product coverage spans residential, buy-to-let, bridging and development, commercial, secured loans, and equity release referrals.

The company's technology layer is described as a web-based platform for broker submissions and case management, with no proprietary AI/ML or advanced technical features disclosed. Revenue is generated through proc fees earned from lenders on completed mortgage placements (transaction-fee model) plus volume-based lender relationships, supplemented by packaging service fees. Pricing is structured to be low or zero for clients, with fee-free packaging on loans over £250K and express payment options on completion. The go-to-market is sales-led through direct BDM engagement, industry events, and a content-marketing presence via an Industry Insights blog and LinkedIn.

Brilliant Solutions historically grew to be the largest distributor of specialist mortgages in the UK with £3bn annual completions by 2007, and in 2008 acquired the mortgage club from Money Supermarket plc to rebrand and pivot into the current direct-to-lender model. The firm has won multiple Moneyfacts and MI Awards across 2020-2025, including 2025 Commercial Finance Specialist Distributor of the Year, and operates with an estimated 25-50 employees across management, sales, operations, finance, marketing, and recruitment functions.

Name

Brilliant Solutions

Legal name

Exclusive Connections Limited

Website

https://brilliantsolutions.co.uk

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Brilliant Solutions is a UK mortgage distribution intermediary that connects mortgage brokers and IFAs to a panel of 60+ lenders via Direct to Lender, Specialist Packaging, and Referral channels, earning proc fees on completed residential, BTL, bridging, commercial, secured, and equity release placements.

Ownership category

akta.pro rank

Product category

Mortgage Distribution Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), Other Activities Related to Credit Intermediation (52239)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage distribution services
• Specialist mortgage packaging
• Bridging finance
• Buy-to-let lending
• Equity release referrals

Headquarters

HQ city

Swansea

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Proc Fees from Lenders: Earn commission fees (proc fees) from lenders for placing mortgage business through their distribution channels. Offers market-leading proc fees and daily payment runs to brokers.
2. Packaging Services: Fee-free or low-fee mortgage packaging services for residential and BTL cases. Loans over £250K receive fee-free packaging. Generates revenue through volume-based lender relationships.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Brilliant Solutions distributes specialist and mainstream mortgage products to UK mortgage brokers and IFAs through a Direct to Lender Mortgage Club, a fees-free Specialist Mortgage Packaging service, Secured Loans packaging, Bridging & Development Finance, Commercial Mortgages, and Equity Release referrals (the latter handled via sister company Brilliant Money). The business earns proc fees from lenders on completion and offers daily payment runs, with packaging fees waived on residential and BTL loans over £250K.

Product overview

Brilliant Solutions operates as a mortgage distribution intermediary, offering a portfolio of connected services across multiple channels. The core offering consists of the Direct to Lender Mortgage Club (providing lender access, proc fees, and fast payments), Specialist Mortgage Packaging (fees-free case submission support), Secured Loans (second charge products), Bridging & Development Finance, and Commercial Mortgages. These services are supported by an Equity Release referral program through sister company Brilliant Money, which handles regulated referrals. The company positions itself as a one-stop distribution partner for mortgage advisers and IFAs, enabling them to access specialist lenders and products through a unified relationship with competitive commissions and payment on completion.

Differentiator

Problem solved

Functional benefit

Products and services

• Direct to Lender Mortgage Club

Quantifiable outcome

• Fast payments - daily payment runs with payment on day of completion
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

64 partnerships are on record, tiered core.

• Brilliant Money (Brilliant Mortgages Limited)coreStrategic or Co-development PartnerSister company that handles regulated equity release referrals on the same no-cross-sell basis as Brilliant Solutions. Both companies share FCA authorization under the Brilliant Mortgages Limited principal.
• NatwestcoreOthersMajor UK bank included in lender panel for mortgage distribution through Direct to Lender Mortgage Club.
• Kensington MortgagescoreOthersSpecialist lender partner offering residential and BTL products through Brilliant Solutions distribution channels.
• Family Building SocietycoreOthersBuilding society partner offering specialist mortgage products with fees-free packaging available.
• Buckinghamshire Building SocietycoreOthersRegional building society partner for specialist mortgage distribution.
• Foundation Home LoanscoreOthersSpecialist lender partner offering BTL and residential products with fees-free packaging across the range.
• Newcastle for IntermediariescoreOthersSpecialist lender partner for intermediaries offering BTL and residential products.
• Nottingham Building SocietycoreOthersBuilding society partner available through Direct to Lender Mortgage Club.
• Kent ReliancecoreOthersSpecialist lender partner for residential mortgage products.
• SantandercoreOthersMajor UK bank offering residential and semi-exclusive mortgage products through the mortgage club.
• Accord MortgagescoreOthersSpecialist lender offering BTL and residential products with regular product updates featured on Brilliant Solutions insights.
• Vida HomeloanscoreOthersSpecialist lender partner offering products through fees-free packaging and direct to lender channels.
• HodgecoreOthersSpecialist lender for residential mortgage products available through distribution channels.
• Metro BankcoreOthersChallenger bank partner for intermediary mortgage distribution.
• Skipton Building SocietycoreOthersBuilding society partner offering specialist mortgage products.
• Castle Trust BankcoreOthersSpecialist lender partner for intermediary distribution.
• LV=coreOthersInsurance and lending group offering mortgage products through intermediaries.
• West OnecoreOthersBridging, BTL, Commercial, and Seconds Mortgage lender accessible via specialist mortgage team.
• Pepper MoneycoreOthersSpecialist lender offering residential and BTL products with access through direct to lender mortgage club.
• Precise MortgagescoreOthersSpecialist lender covering residential, BTL, secured loans, and bridging finance.
• Mansfield Building SocietycoreOthersBuilding society partner offering specialist products including Credit Repair, Versatility, BTL, and Limited Company BTL products.
• Leeds Building SocietycoreOthersMajor building society partner offering residential and BTL products through direct to lender mortgage club.
• Halifax (Bank of Scotland)coreOthersMajor UK lender available through mortgage club for residential products.
• HSBCcoreOthersMajor international bank with some restricted access through the Brilliant Solutions mortgage club.
• AldermorecoreOthersSpecialist bank offering residential and BTL products through direct to lender channel.
• TogethercoreOthersBridging and commercial mortgage lender accessible via specialist bridging and commercial team.
• TSBcoreOthersUK bank offering residential products with some restrictions on access through the mortgage club.
• BM SolutionscoreOthersBuy-to-let specialist lender accessible through direct to lender mortgage club.
• Shawbrook BankcoreOthersSpecialist lender offering BTL, bridging, and commercial products including new PBSA products.
• Principality Building SocietycoreOthersWelsh building society partner offering residential and BTL products.
• Furness Building SocietycoreOthersRegional building society partner for intermediary mortgage distribution.
• Saffron Building SocietycoreOthersBuilding society partner offering residential and BTL products.
• Dudley Building SocietycoreOthersRegional building society partner for specialist mortgage products.
• Gatehouse BankcoreOthersIslamic bank partner offering Sharia-compliant mortgage products.
• LiveMore MortgagescoreOthersSpecialist lender focusing on later life and older borrower mortgages.
• Bank of Ireland UKcoreOthersBanking group offering intermediary mortgage products in the UK.
• Clydesdale BankcoreOthersScottish bank partner offering BTL and residential products with regular product updates.
• The Mortgage Works (TSB)coreOthersBuy-to-let specialist lender from TSB group available through mortgage club.
• PerennacoreOthersLonger-term fixed rate mortgage lender with product updates shared via Brilliant Solutions insights.
• Zephyr HomeLoanscoreOthersSpecialist lender offering BTL and residential products including Lifetime Tracker options.
• LendInvestcoreOthersProperty finance lender offering BTL and bridging products with holiday let products available.
• United Trust BankcoreOthersSpecialist lender offering bridging, BTL, commercial, and seconds mortgage products.
• Fleet MortgagescoreOthersBuy-to-let specialist lender offering BTL products through distribution channels.
• Suffolk Building SocietycoreOthersRegional building society partner offering residential and holiday let products.
• Vernon Building SocietycoreOthersBuilding society partner offering BTL products available via direct to lender mortgage club.
• Darlington Building SocietycoreOthersRegional building society partner available through mortgage club.
• The Tipton & Coseley Building SocietycoreOthersBuilding society partner offering specialist mortgage products.
• Beverley Building SocietycoreOthersBuilding society partner with residential products accessible via mortgage club.
• Hinckley & Rugby Building SocietycoreOthersBuilding society partner offering residential and BTL products including lending into retirement.
• Masthaven BankcoreOthersSpecialist lender offering bridging, residential, and BTL products.
• LandbaycoreOthersBuy-to-let specialist lender available through mortgage club.
• Pure RetirementcoreOthersLater life mortgage specialist offering equity release products.
• AvivacoreOthersEquity release lender partner offering lifetime mortgage products.
• Canada LifecoreOthersEquity release lender partner for lifetime mortgage products.
• JustcoreOthersEquity release specialist lender for later life products.
• Legal and GeneralcoreOthersMajor insurance group's equity release division offering lifetime mortgages.
• OneFamilycoreOthersMutual insurer offering equity release products to members.
• Coventry Building SocietycoreOthersMajor building society partner offering residential products through mortgage club.
• The Mortgage Lender (TML)coreOthersSpecialist lender available through fees-free packager and direct to lender channel.
• Keystone Property FinancecoreOthersSpecialist lender offering semi-commercial and BTL products.
• CHL MortgagescoreOthersSpecialist lender partner available through distribution channels.
• Mercantile TrustcoreOthersSpecialist lender offering BTL and bridging products with focus on smaller loans.
• Market Harborough Building SocietycoreOthersRegional building society partner for intermediary distribution.
• Afin BankcoreOthersBank offering residential and BTL products with exclusive product access through mortgage club.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Mortgage Brain: UK mortgage technology and club network offering intermediary distribution and lender connectivity. Directly comparable to Brilliant Solutions as both operate as mortgage club/packager distribution platforms serving UK brokers and IFAs.
• Openwork: Large UK mortgage and financial advice network providing adviser support, lender panel access, and distribution services. Comparable as intermediary distribution platform, though significantly larger in scale.
• Paradigm Mortgage Services: UK mortgage club and packager serving intermediaries with access to a panel of lenders across residential, BTL, and specialist lending. Direct competitor with overlapping broker customer base and similar product categories.
• Koodoo: UK specialist mortgage packager offering intermediary distribution of residential, BTL, and specialist lending products. Direct competitor in the specialist packaging space with overlapping lender relationships.
• Stonebridge Group: UK mortgage network and packager providing appointed representative status and lender panel access to mortgage brokers. Closely comparable business model serving UK intermediaries with similar product breadth.
• Sesame (Sesame Bankhall Group): UK mortgage and financial services network supporting advisers with lender access and packaging across residential and specialist lending. Operates in the same intermediary distribution space as Brilliant Solutions.
• Brightstar (Brightstar Financial): UK specialist mortgage packager and distributor focused on complex cases, BTL, and bridging. Comparable specialist-lending focus and broker intermediary distribution model.
• TMC (The Mortgage Club): UK mortgage club offering brokers access to lender panels, proc fees, and packaging support. Direct peer with overlapping intermediary customer base and similar fee-based revenue model.
• Connect for Intermediaries: UK mortgage network and intermediary services platform providing lender panel access and support to brokers. Operates in the same intermediary distribution space with comparable products.
• TenetLime: UK intermediary services provider within the Tenet Group, offering mortgage club, packaging, and lender panel access to brokers. Direct competitor with comparable product distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/10553785
• Xx.com/BrilliantSols
• Facebookfacebook.com/BrilliantSolutionsUK

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Brilliant Solutions