Professional Advisors for Commercial Mortgages in York & Online

Kelvin Smith

Kelvin’s advice and support was invaluable during a really difficult time for my business. I’d highly recommend.

Al Chambers

I have had serious business advice expertly delivered to me by the MD of this company Keith Humphreys who I judge to be an experienced financial professional who is highly…

David Hannaway

Kelvin at Pinpoint as been a great help in my endeavor’s for commercial finance. And indeed I now have the loan, thanks to his whole approach Thank you and I…

Peter Peel

Kelvin was always helpful, professional and speedy with advise and responses.

Sandra Brown

Great communication when helping me with my BTL purchase. Would definitely recommend Kelvin

Remy Wilson

This morning I had a meeting with Kelvin Smith, a director at Pinpoint Finance, to discuss commercial and residential property solutions. Kelvin was enormously helpful, he listened patiently to me…

Ben Galloway

Would highly recommend pinpoint. Kelvin was brilliant from start to finish.

John Harrower

Very helpful & informative with information & answers to questions

Penny Dixon

Although they couldn’t assist with what I needed at the present time they were very helpful, thanks Kelvin.

Ian Phillips

Friendly professional service from Keith & the team who made the financial aspects of a commercial property purchase easy & efficient.

Rachel Lewis

Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.

James Bell

Kelvin and his team took much of the day-to-day work off our hands, which was great – but there was more to it than just a great personal service. We…

Danny Wilson

Send Kelvin a message

As your business grows, you may want to borrow money via a commercial mortgage. Perhaps you’re buying a new property as an owner-occupier. You might be looking to invest in commercial property. Or, you might need the money to fund other areas of your business. It is a big step for any business owner. And you may be unsure about where to go for the best business mortgage advice at such a critical moment.

We have a team of commercial mortgage advisors based in York who can help you through this process. Get in touch with Pinpoint Finance today.

Send us a message

speak with Kelvin

What is a Commercial Mortgage? How is it Different?

A commercial mortgage is a loan secured on non-residential properties, such as offices, warehouses, or retail spaces. These loans are ideal for business owners looking to purchase, refinance, or expand their premises. They are slightly different to getting a residential mortgage. Commercial mortgages are more flexible, and you can use them to raise money for a range of different purposes including:

Improving your existing premises
Consolidating your debt
Developing your existing property development
Releasing equity for your business and its cash flow

Helping Every Client Find the Right Mortgage

We work to meet every client’s needs on a case-by-case basis. Your business – and what you want to get out of it – is unique. It’s why we’ll always spend time with you upfront to learn your situation, before making any recommendations.

For example, you might be a first-time developer in Scarborough, buying three residential properties above a shop unit, which you then intend to rent out. Talking it through with you, you tell us that the shop downstairs will generate £40k per year in rental income. In this case, you’ll need a commercial mortgage – but you might have come to us originally because you thought you’d need a buy-to-let mortgage.

Or, you might be a highly experienced businessperson with 27 properties under your management. You know what you want – for example a multi-unit block mortgage for an assured short-hold tenancy – and you just need us to sort it all for you. A quick turnaround is the priority as you’ve already got a high level of market know-how.

Whatever your situation, you can trust us to offer a high level of consultancy and expertise. You can rely on us to ensure that you’re always making all the right moves.

speak with Kelvin

Choose Independent Mortgage Brokers For Personal Support You Won’t Find at Your Bank

You need an experienced team who has a deep market understanding and the skills and experience to get the right deal for you and your business. At Pinpoint Finance, we can help.

Most of our clients will come to us via a personal recommendation, through their accountant or solicitor, or having just Googled ‘commercial mortgage broker’. However you find us, we’ll work hard to quickly form a personal understanding of your situation – what you need, and how we can help you to grow with commercial investments and commercial mortgages. We see it as the beginning of a long-term relationship.

Our expert knowledge of the market, the solutions on offer, and how each lender really works means that when you get it right, it can make a significant difference to your business. Couple that with the great customer service you would expect from Pinpoint Finance, our UK banking sector experience, and access to over 100 lenders, make us an asset to have on your side.

Online Advisors at Your Service

✔️ FCA-Regulated & Authorised

✔️ Proud Members of the NACFB

✔️ In-Person & Online Communication

✔️ Personalised Advice

✔️ Hassle-Free Process

FAQs About Commercial Mortgages

A. Yes, although lenders may consider your credit score, many also focus on the potential of your business. If you’re concerned about your score, we recommend starting with our Check My Business Credit Score tool and consulting our commercial mortgage brokers in York for personalised advice.

A. Lenders usually assess factors such as your business’s financial history, the purpose of the loan, and the value of the property. Our experienced advisors can guide you through the process, ensuring you meet the necessary criteria.

A. At Pinpoint Finance, our online mortgage advisors streamline the mortgage process with virtual consultations and digital application tracking. This allows you to receive expert advice from anywhere in the UK.

A. Approval times vary but typically range from 4 to 12 weeks. This depends on factors such as the complexity of your application and the responsiveness of all parties involved. At Pinpoint Finance, we aim to streamline the process for a quicker turnaround.

A. Yes, commercial mortgages can be used for mixed-use properties that combine residential and commercial spaces. Our brokers can guide you on the best options for these types of investments.

A. In York, deposits typically range from 25% to 40% of the property value, depending on the lender and property type. Our team can help local businesses secure competitive terms tailored to their needs.

Contact Our Commercial Mortgage Brokers in York or Online

If you’re ready to take the next step, our dedicated team of commercial mortgage brokers is here to help you secure the best deal. Whether you are looking for in-person mortgage advice in York or you are interested in our online services from anywhere in the UK, contact Pinpoint Finance today. Get started now and let us take the stress out of your commercial mortgage journey.

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