From our impartial advice to our flexible approach, here at Pinnacle we have an offering that is tailored made for you. Each of our equity release advisers are fully qualified and have a wealth of industry experience.

We have access to the full lifetime mortgage market, which allows us to match you with your ideal equity release package. We understand that it can feel quite daunting & overwhelming when trying to figure what is the best option to take, but you can trust that our dedicated team of adverse credit mortgage experts will provide clear advice throughout and be there with you every step of the way.

Mortgages for Adverse Credit

Finding a mortgage when your credit is bad isn’t easy, but at Pinnacle, we’re here to assist you in finding the best mortgage possible to match your financial situation. To talk to us about bad credit mortgages, contact us today. One of our expert team can provide you with transparent advice and lay out your mortgage options for bad credit.

Why use Pinnacle?

Whatever the situation of your credit score, we will do our best to find you a mortgage deal that is right for you.

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.
  • I have poor credit, does this matter?

    As with regular mortgages your credit situation will be assessed, with the outcome dependant on the product that you would be offered. We can still place loans with active defaults, CCJ’s, or debt plans, and have a variety of lenders to work with.

  • What is a secured loan?

    A secured, or second charge, loan is an additional mortgage placed on the property behind your main mortgage. It is with a separate company and can be independent of your main mortgage’s terms. They often offer a flexible borrowing capacity for when it may not be possible on your main mortgage.

  • Can I consolidate debts via a secured loan?

    Consolidating debts is often a primary reason for applying for secured loan and is more than acceptable. You will need to consider the level of debt that you are consolidating and take in to account that this may now be spread over a longer term, or moving from sole name to joint (depending on the ownership of the property).

  • How long does it take to arrange?

    A secured loan is often arranged quicker than a first charge mortgage. A lender will still need to assess your application and validate the property value, but assuming this is all successful you should expect to receive your funds within 1-2 weeks from loan offer.

  • How much can I borrow on a secured loan?

    This depends on the available equity in your home. Typically a secured loan can be arranged up to 85%-90% of the overall value of the property (minus your current mortgage).

  • Can I release equity from my home?

    Secured loans offer the ability to reach the equity that may be in your home. You must consider the overall exposure with your current mortgage and calculate the difference between this and the market value. The difference can then be considered to be released, should you need.


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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Do you have an enquiry? Contact us.

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