Pinpoint Finance – Who Are We?
The businesses we work with are run by hardworking, ambitious people like you. For you, banking is personal because so much of what you’ve achieved is down to your own hard work. And we know what that feels like because it’s exactly what we’ve done, too.
We’re a straight-talking, hardworking team of ex-bankers based in York. We match our clients with the best residential mortgages, buy-to-let mortgages, commercial mortgages, bridging loans and business finance deals, and we pull out all the stops to get you the best rates. That means getting under the skin of your business so we can pitch your unique position to the underwriters to ensure we get a ‘yes’.
We do much more than find you the right finance product and rate and leave it at that. You want to achieve your property goals, help you and see your business grow – and we’ll be here to give you all of the high-quality advice, consultancy and support you need to achieve that.
Pinpoint Finance is FCA-regulated and authorised. We are also proud members of the NACFB, ensuring we adhere to the highest standards in the finance industry.
Pinpoint Finance – Specialist Mortgage Advisers
We know you’re serious about your financial goals. You deserve more than generic advice from endless websites. You want to talk to someone who’s experienced, has been around a bit, understands your situation, and is dedicated to getting things done.
For Mortgage Seekers: If you’re self-employed, have multiple income streams, or are mortgaging a large property, we are right for you. We’ll take time to understand your unique situation. We’re here to provide personalised mortgage advice that’s not rushed and tailored to your needs. By taking the time to understand your circumstances fully, we can secure the perfect mortgage for you.
For Landlords: Securing a Buy-to-Let mortgage has become more complex. Whether you’re a first-time landlord or managing a portfolio, the BTL mortgage landscape has evolved with stricter criteria and more options. We’ll guide you through these complexities, offering tailored advice to ensure you secure the best BTL option for you.
For Business Owners: Running a business is demanding, and finding the right funding solutions shouldn’t add stress. Whether you’re expanding, securing premises, or managing cash flow, our team of ex-bankers will work closely with you to tailor finance options that align with your goals, giving you peace of mind to focus on growing your business.
We built Pinpoint Finance to restore the personal connection lost in modern banking. Our advisers genuinely care about your success.
Meet our team below.
Keith Humphreys
Residential, Buy-to-Let & Commercial Mortgages
We don’t just make deals happen, we go above and beyond to find you the best possible rates too.
Having lived and worked in York for over 25 years, I know the challenges facing businesses and landlords accessing property finance. After 28 years in the banking sector, I wanted to give Yorkshire business owners and property professionals the traditional “speak to the bank manager” personable service that’s been lost in modern banking.
Kelvin Smith
Business Finance, Buy-to-Let & Commercial Mortgages
I’ve been helping business owners in Yorkshire with commercial finance for the past two decades, and I get a real buzz from matching you with the right mortgage or finance deal for your specific needs. Ask me anything, I will tell you everything.
Anna Hatfield
Residential & Buy-to-Let Mortgages
So I have both professional expertise and personal insights. As a mum of 3, I know how important getting the right family home is and how much hinges on getting the right mortgage deal.