You may just be looking to raise some extra funding for some much-needed home improvements, to gift some money to your children for their first home purchase or looking to go on a holiday of a lifetime.

Home improvement loans can provide flexible, competitive terms that you allow you to put your plans into action. With access to a whole market, we are experts in finding the best deals for all of our clients.

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.
  • 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.

  • 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).

  • I have bad 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 further advance?

    A further advance is a term given to further borrowing with your existing lender. This is not available with all lenders, but if applicable for you then the lender would open up a new “sub” account in addition to your main mortgage. This will need to be underwritten to ensure affordability and will be placed on a new product at the time of application.

  • What can I release funds for?

    Funds can be released for any personal need, but cannot be for business or gambling purposes. Conventionally funds are often released for the repayment of unsecured debts, to release funds for a child’s gifted deposit, or for home improvements.


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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