Specialist Mortgage Advice
Our dedicated team of Mortgage Experts will research the market to find you the perfect deal.
Holiday Home Mortgage Advice
Are you looking to buy or refinance a holiday property that is located within the UK, which will be acquired for either personal use or investment purposes, or a combination of both? If so, then our team of specialist brokers can provide you with comprehensive mortgage advice to suit your needs.
Market Leading
Mortgage Advice.
Here at Pinnacle we have helped thousands of clients achieve their objective of owning a holiday home or holiday let property.
Through years of experience in this particular field, coupled with whole of market access, we are pride to say we are market leaders in the UK when it comes to financing holiday property.
We work closely with our contacts at Just For You Holiday Homes, ensuring that their clients are offered with the highest standards of mortgage advice.
Why not just 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.
What is the criteria for a holiday purpose mortgage?
Depending on the type of usage, the core criteria is not too dissimilar to a conventional residential or buy to let mortgage, however, their is more focus on where the property is located, is it a suitable property for holiday usage, and ultimately does the overall situation meet the lenders respective criteria.
With strict holiday home usage, most lenders will simply rely upon personal income & expenditure to determine affordability of the mortgage, whereas with holiday let usage the main focal point of deeming if the loan is affordable will be via a rental stress test, of which is typically calculated by using the average of the low, medium, and high weekly rates, factored over a 30 week occupancy period.
As expert mortgage brokers in this field, we will navigate the mortgage market to ascertain the most suitable lending option, and part of this process entails us conducting thorough research to check acceptance of criteria and affordability of the loan.
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.
