A short-term borrowing product such as an adverse credit bridging loan can be used for a variety of different reasons. Perhaps you are looking to raise funds to purchase a new property while waiting for your current home to sell.

You could be a business owner or experienced property developer who hit by an unexpected cash flow crisis or a poorly timed tax demand with very little time to pay. Whatever your reason is for borrowing the money, adverse credit bridging finance can be approved and paid out quickly, giving you enough time to make that property purchase or to settle that urgent tax demand before it ends up too late.

What's the next steps?


Get in touch

Choose by email, phone, or face to face to meet with a qualified advisor who can talk you through the next steps.

Let’s find out about you

By reviewing who you are, your aims, and what you require from your new mortgage, we leave no stone unturned in finding you the perfect deal.

Leave the hard work to us

By searching far and wide from thousands of live offers we can secure the best mortgage for you.

It’s application time

Once ready we will fully package your case and work with the chosen company to gain a successful mortgage offer. Just sit back and relax.

Welcome to your new mortgage

With a successful offer the money is yours. Spend it wisely!


Read our often asked FAQs.
  • How much can I borrow?

    The amount that can be borrowed will be dependent on the plans for the funds and the value of the security that the loan is being guaranteed against. Our brokers will be able to tell you swiftly how much you could borrow as a maximum, and what terms of expect such as length of finance and the rate / fees applicable.

  • Do I qualify for a bridging loan?

    In order to qualify for a bridging loan there needs to be a valid reason for the finance. This can cover a range of areas, which our advisors will help you with. There are lenders who will be comfortable with poor credit profiles and low income situations, whilst the most suitable lender and deal will be determined by the overall lending proposal.

  • What is bridging finance?

    Bridging finance is a essentially short-term funding option used to 'bridge' a gap between a debt coming due and the main line of credit becoming available. It can also be used to fund a new purchase as a means of short-term credit, typically up to a term of 1 year, and is relevant when a conventional form of lending is unavailable / unsuitable.

  • How do I apply?

    To apply simply get in touch with one of the team, who will talk you through the options and take further details from you as to your plans. Click on our ‘contact us’ page for details on how to get in touch with us.

  • What fees do I have to pay?

    Bridging loans are not necessarily cheap compared to the setup costs of a conventional mortgage, however this is dependent on your circumstances, preferences, and the deal selected. You can elect in most cases to have fees added to the loan, which is something your broker will explain in detail, and show you all scenarios available.

  • How long does it take to arrange?

    Arranging a bridging loan can be done relatively quickly if needed. We’d act promptly to get your file built so there is no delays in providing the advice and submitting the subsequent application. Our case management team will then work closely with yourself and the lender to ensure a swift turnaround time is met.


Why choose Pinnacle?

Honest Advice

Our promise is to deliver impartial, expert advice to our clients, allowing you to make an informed decision. Via our independent status, we're perfectly placed to deliver suitable guidance.

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Excellent Customer Care

We truly understand the importance of delivering an exceptional customer experience. Our client feedback is testament to our commitment and dedication to exceeding all expectations.

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Unique Proposition

Our model provides you with access across the financial and property markets. By centralising this process, we can pass on not only the financial benefits, but also save you time and stress.

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Flexible Approach

We can offer appointments 7 days a week, between 9am to 9pm. Whether it's face to face, by phone, or online, we can accommodate to your preference. Your convenience is our goal.

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