MORTGAGE Lending Advice Specialists

MORTGAGE Lending Advice Specialists

Our expert team can assist you in finding the perfect Mortgage. We conduct a whole of market search to match you with the perfect lender.

Commercial Mortgage Brokers

Are you ready to take your company to the next level? If you’re planning to move, expand or renovate your company property, a commercial mortgage is ideal to help you plan your development in an affordable way.

Our team at Pinnacle are completely dedicated to helping you make that purchase or secure the finance, where conventional finance may falter. We fully understand the importance of speed, and competitive options, which is why we combine the two, to offer you the best options available to you.

What are the features of a commercial mortgage?

The key features to a commercial mortgage as they differ from a regular mortgage:

  • In most cases there are no fixed rates.
  • You will pay a higher interest rate compared to a regular mortgage are there are higher risks to the lender.
  • Generally, commercial mortgages offer much better interest rates than regular business loans as these do require property collateral.
Mortgage Broker Essex

Why not give us a call?

Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

The benefits of a commercial mortgage

There are many reasons to consider taking out a commercial mortgage, here are a couple of reasons:

  • Interest on your mortgage is tax deductible.
  • You can rent the property out to generate more income for yourself.
  • If the property increases in value, the capital may also increase.
What type of commercial mortgages are there?

There are two main types of mortgages to consider:

  • Commercial investment mortgage, this is if you are planning on letting the property out.
  • Owner occupied mortgages: This type of mortgage is used if the premises is going to be used for trading.

Rates charged on commercial mortgages aren’t determined from the offset. A lender will usually undertake a risk profile that they work to, if your loan falls outside their scope for risk it will be refused.

What fees are there?

Once again, like all mortgages, you need to be able to pass a certain eligibility criterion in order to secure a commercial mortgage, a lender will perform the following checks:

  • Projected income for the business in order to project if you will be able to afford the repayments.
  • General income, assets and credit.
  • Ability to pay an initial deposit which can range anywhere from 20% to 40% of the loan amount.
  • General cash flow and if you posses any debts that can affect the financial health of the company.

If you want to see what options are available to you for a commercial mortgage, contact Pinnacle today and speak to one of our friendly mortgage brokers who are available 7 days a week and are with you from start to finish.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna