Pinnacle Finance - Mortgage Advisors & Specialist Lending Brokers

The whole team at Pinnacle Finance are amazing. I contacted them after multiple other brokers were unable to secure a mortgage for me on reasonable terms. My income is in foreign currency, which was not a problem for Pinnacle. Pinnacle was always very responsive and diligent, and were able to get an agreement in principle within days of receiving my documents. I cannot say enough great things about them.

Daniel and the Pinnacle team were amazingly patient and knowledgeable in sourcing and managing the process of a complex remortgage to release capital to partially fund a new purchase - two new uk-expat mortgages, interlinked - all while I was moving between assignments/countries. Practical, responsive and a real personal touch. Highly recommend.

In my experience, Oliver Hughes is a cut above other mortgage brokers. Supported by highly efficient staff, Oliver has a deep technical knowledge and shows great empathy and support to his clients. When Oliver says he will do something there is never any thought that it might not happen. We have no hesitation in recommending Pinnacle's service to anyone looking for a highly professional and efficient service.

I was told by Daniel at Pinnacle Finance (the owner, and director of the company) that there were “multiple lenders” who could consider my application (buying a property in Northern Ireland, while living in Australia). I was dubious of this, given that i’ve been trying to sort this out for 6 months without any success due to my location & the location of the property. However, this reassurance was the only reason I agreed to pay a £495 broker fee, as I made it clear I didn’t want to hand over money unless there was a genuine chance of success. Which Daniel had confirmed should be straightforward, based on the proofs he had been sent. Turns out, those supposed “multiple lenders” turned out to just be Halifax, who immediately confirmed they couldn’t consider my case because I live in Australia… So they were obviously never a real option in the first place. You’d think the director of a brokerage would know this in advance. Someone with a more cynical outlook on life could view this as an easy way to earn £495 without having to do any work whatsoever. After that, I was told Dudley Building Society could work. But weeks of silence later I was falsely informed that my application was declined due to “income” - which is always a good get-out-of-jail-free card that you can’t challenge. But this wasn’t really adding up either, so I checked with Dudley, and they confirmed directly to me that they don’t lend on properties in Northern Ireland at all, regardless of income, and that no application was ever submitted by Daniel on my behalf. So not only was the promise of multiple lenders completely false, but I was also misled about why my case was supposedly declined. To make matters worse, I had written confirmation that my application fee would be refundable if they couldn’t help. Yet now I am being ignored and my refund is being denied. This firm sold me on promises that simply weren’t true, delivered no meaningful service, and then tried to cover it up instead of being transparent. Do not use Pinnacle Finance. They are misleading, unprofessional, and a waste of time and money.

We had an excellent experience working with Pinnacle. As first-time buyers living abroad (China), the process could have felt overwhelming—but thanks to Oliver Hughes and Holly, everything was smooth and stress-free. Oliver in particular has been incredibly professional, responsive, and supportive throughout. He always replies promptly, is happy to jump on calls when needed, and takes the time to explain everything clearly in detail. This really gave us peace of mind and confidence at every stage. Both Oliver and Holly have been reliable, approachable, and genuinely helpful, making what could have been a complicated process feel straightforward. We’re very grateful for their support and would highly recommend Pinnacle to anyone seeking a professional and trustworthy service.