Great experience with PinPoint Finance- highly recommend!
Keith Humphreys
Excellent. Made the whole process much easier than I thought. Thank you.
We look forward to working with Pinpoint Financial Services for many years to come. Thank you again, Keith – wishing you and your team all the very best for the…
Keith was always approachable, knowledgeable, and went the extra mile to ensure we had the right products and full clarity at every stage.
Contacted Keith at Pin Point Finance. The call was answered promptly and Keith was friendly and approachable. He listened to my circumstances and gave advice in a way I could…
Very impressive service, no messing about with questionnaires. Straight forward and honest appraisal. Thank-you very much Keith for all you did. I will recommend your service to friends and family.
Keith was very supportive and helpful especially when we had a bit of complicated issue to sort out. He was on the ball and got it sorted.
5 Stars!
Fantastic experience with Keith at Pinpoint. I have previously used mortgage brokers and found Keith has taken this business to a different level. Very professional, efficient and so easy to…
Keith has been amazing from our first contact. Listening and advising what was the best deal for me. Really happy with the service and would highly recommend to friends and…
From start to finish i have been very pleased with the way Keith handled my case. He kept me informed all the way so I didn’t have to worry about…
A special thanks goes to Keith, whose advice and expertise throughout the process have been nothing short of excellent.
Pinpoint Finance sorted remortgage for me. It was not easy task as i was in India but Keith on my behalf got things moving and eventually got it done.
What stood out most was the high level of communication and prompt response times – both of which are crucial when dealing with financial matters.
We’ve recently worked with Pinpoint Financial Services for support with buy-to-let mortgages and couldn’t be more pleased with the service provided.
Great service helping to source suitable finance for a complicated portfolio
Great customer service. Very much appreciated the way Keith helped in pushing things through at each stage to a successful completion.
Very helpful & informative with information & answers to questions
Fantastic service very professional halved my Morgage repayments very happy
Have used Pinpoint Finance several times now. Keith and the team once again offered great advice and help throughout. Would highly recommend!
Keith was able to explain what my best options were, and wasn’t at all pushy. I’ll definitely be contacting Pinpoint again in the future for all of my Commercial Finance…
Keith was really efficient, great communication and resolved a complicated issue with my mortgage. I would highly recommend his services.
Excellent service from Pinpoint. They are very responsive. They are highly knowledgeable and professional but equally they take a very human approach, have excellent people skills and treat you as…
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
Keith and his team have done a fantastic job at helping us buy our house. He found us the best mortgage available that suited our budget and did everything he…
Great service- so quick and very helpful
Fantastic service, I highly recommend.
Looking for Lower Monthly Payments? A Residential Interest-Only Mortgage Could Help
An interest-only mortgage lets you reduce your monthly outgoings by paying just the interest on your loan, not the loan amount itself. You’ll repay the full balance at the end of the mortgage term, either by selling the property, using savings or investments, or refinancing.
This type of mortgage isn’t suitable for everyone, but it can be the right fit if you have a solid repayment plan and want more control over your monthly budget.
At Pinpoint Finance, we help homeowners across York, North Yorkshire and throughout the UK explore residential interest-only options. Whether you’re moving home, remortgaging, or refinancing a high-value property, we’ll guide you through the pros and cons and help you make an informed decision.
What Is a Residential Interest-Only Mortgage?
With a residential interest-only mortgage, your monthly payments cover just the interest on the loan, not the loan itself. That means your monthly costs are typically much lower than with a standard repayment mortgage. However, the full loan amount (the capital) will still need to be repaid at the end of the term.
This type of mortgage can work well if you have a clear, reliable plan in place to repay the loan in the future.
Some common repayment strategies include:
Selling the property or another asset
Using savings, investments or an endowment policy
Pension lump sums
Bonuses or other expected income
At Pinpoint Finance, we look at your full financial picture, including your income, assets, and future plans, to make sure any interest-only structure is realistic, responsible, and likely to be accepted by lenders.
Who Might Benefit from Interest-Only Mortgages?
Interest-only mortgages aren’t just for landlords; they can suit a range of homeowners, especially those with large incomes, a good deposit and future repayment plans.
You might benefit from this option if you:
Have a large income, typically £75,000 or sole applicants and £100,000 for Joint applicants
Plan to sell a second property or downsize later in life
Want to keep payments low while preserving cash flow
Are a high-net-worth individual with investments or capital reserves
Own or are buying a high-value residential property
Many lenders only offer interest-only mortgages to borrowers with higher incomes and larger deposits, and often only on homes with equity above a certain value. At Pinpoint Finance, we work closely with lenders across the market to match you with the right options based on your full financial picture.
Why Choose Pinpoint Finance?
We’re an independent mortgage broker based in York, providing specialist interest-only mortgage advice online and in-person. Our clients value our:
✔ In-depth knowledge of lender policies and interest-only criteria
✔ Personalised, FCA-authorised advice
✔ Access to over 100 lenders
✔ Clear communication—no jargon, no pushy sales
✔ Strong online reputation backed by Google reviews
Our experienced advisers take the time to understand your full financial picture and ensure your repayment strategy is realistic, tax-efficient, and acceptable to lenders. Whether you’re remortgaging, buying a high-value home, or exploring your options, we’re here to help every step of the way.
FAQs About Interest-Only Mortgages
It may be possible, particularly if you meet the lender’s affordability and repayment plan criteria. We can review your situation and present the options available.
You must repay the full capital amount. This can be done through savings, investments, or proceeds from selling property. We help ensure your exit strategy aligns with lender requirements.
Rates can be similar to repayment mortgages, but your total cost over time might be higher due to extended interest payments. We’ll compare available products and highlight long-term implications.
Speak to Our York-Based Mortgage Advisers
Interest-only mortgages can be a smart way to manage your finances — but only when they’re structured with care and backed by a clear repayment plan. Whether you’re deciding between interest-only and repayment, reviewing your current deal, or planning ahead, our expert advisers are here to help.
You can book a consultation with our friendly York-based team or speak with us online from anywhere in the UK. No pressure, no jargon — just clear, professional advice tailored to you.
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