Great customer service, very good advice received based on my personal circumstances. Will use again in future.
Anna Hatfield
Excellent service and very quick to respond. I would highly recommend Pinpoint
I used Pinpoint this week for the first time, as I needed some professional mortgage advice in this uncertain period and my usual advisor had not on this occasion been…
Just want to say thank you to Anna who did my product transfer. She made the transition smooth and effortless. Always on on top of things, not one bit pushy…
Very professional and friendly service – Highly recommend!
Excellent service
As a first-time home buyer, Pinpoint are money well spent for their services as a mortgage broker. They can recommend a conveyancer and surveyor too. Anna was helpful and understanding…
Have used Pinpoint for over 5 years now and they’ve been consistently helpful and proactive. I like the online account area with the secure messaging and details on the stuff…
Anna was professional from start to finish. Answered all my questions and she made the whole process run smoothly
Excellent job thank you xxx
Keith was amazing! I had a bad experience with a different advisor which really knocked my confidence and made me feel like there was no hope for the future I…
After contacting two large well known mortgage companies I came across this local company. I’d wanted someone to think outside the box and show knowledge and experience, yet at the…
We have used pinpoint several times over the years, and in total they must’ve saved us thousands!! We have recently remortgaged and Anna has kept in constant contact with us,…
Would highly recommend Pinpoint. Very professional and helpful every step of the way, and very quick to respond to any questions throughout the process. Anna was very experienced and informative,…
Anna was extremely helpful in understanding our slightly complex requirements and offering products which suited. She was also very proactive in assisting us to lock-in a product before rates increased…
We had a fantastic experience working with Keith from Pinpoint . His professionalism, clear communication, and dedication made our mortgage application smooth and stress-free. Keith and his team are always…
Anna is fantastic! She is super helpful and has helped with everything we have needed so far! I couldn’t recommend anyone more. She is super friendly and flexible. She is…
Great service. Quick turnaround, pleasant and easy to deal with. Like that they are local with face to face service available.
Great service. Keith was brilliant with talking through the options available to me, we hit a couple of issues with the lender along the way but he was straight on…
I’d highly recommend Keith, especially for self employed or company directors where it is more complex. His knowledge is excellent and Keith is honest about what is achievable. I secured…
Fab service from start to finish. Thanks Anna for making what could have been a stressful experience an easy one
Fantastic service, I highly recommend.
Brilliant service, fast efficient and got us the best rates. Can’t thank you guys enough.
We have used Pinpoint finance for several years now, after being recommended by a friend. It was one of the best decisions we have ever made and we will definitely…
“ I was recommended pin point finance york by a relitive when i was starting to look for my first home. Anna was very suportive of what i needed and…
Easy process, absolutely fantastic and they take over everything which makes it stress free. Always on hand if you have questions and talk you through everything. Amazing company
Anna was extremely helpful in my remortgage, she gave me many options and explained everything clearly and precise, a very easy process with zero stress.Highly recommended.
Absolutely brilliant service from Anna – so knowledgeable and knew exactly how to tackle our mortgage request. If you need some mortgage support particularly if you have a quirky property…
I recently had the pleasure of working with Anna Hatfield as my mortgage advisor, and I cannot praise her highly enough. From start to finish, Anna demonstrated exceptional professionalism, dedication,…
After a rocky beginning to my house journey, I was recommended pinpoint finance and within the first call Anna had filled me with hope that I would be able to…
A massive thank you to the team at Pinpoint Finance for their hard work and perseverance in a very difficult climate to secure me the funding required I would definitely…
As someone who is self-employed, I know getting a residential mortgage is a real headache. Anna was brilliant – she’s approachable, extremely knowledgeable and clearly has a real knack dealing…
It’s really been an easy experience working with Pinpoint Finance on my first mortgage and now on the next – I’m not going anywhere else! Whether it’s Keith or Anna…
Excellent service from Kelvin and Anna. Would highly recommend!
Great team, fantastic service!!! Highly recommend!!!
Are you thinking about a mortgage for debt consolidation?
Are you struggling to manage your credit cards, loans, or other borrowing? Remortgaging your home could be a smart way to take control of your finances by consolidating your debts into a single, more manageable monthly payment.
At Pinpoint Finance, we’re independent mortgage advisers based in York. We offer trusted, FCA-regulated advice to clients across the UK, both locally and online. Get in touch to discuss more about a remortgage for debt consolidation.
Why consider remortgaging for debt consolidation?
If you have equity in your property, you may be able to increase your mortgage and use the extra funds to clear unsecured debts like:
Credit cards
Personal loans
Car finance
Overdrafts
This can simplify your finances and may reduce your overall monthly outgoings — especially if you’re currently paying high interest rates elsewhere.
Things to think about before consolidating debt
Remortgaging can be a helpful solution, but it’s not the right fit for everyone. It’s important to understand the pros and cons:
✅ Pros
Combine multiple debts into one manageable monthly payment
Potentially lower your interest rate
Improve cash flow and reduce financial stress
Spread payments over a longer term if needed
⚠️ Things to be aware of
Your mortgage balance will increase
You may pay more interest over time if the term is longer
Your home is at risk if you can’t keep up with repayments
Consolidating small debts could cost more in the long run
We’ll help you explore all your options, including alternatives like personal loans or balance transfers, and only recommend a remortgage if it’s the right fit for your goals.
Can I get a debt consolidation mortgage?
That depends on a few key factors:
How much equity you have in your home
Your credit file and affordability
The total amount of debt you want to clear
Whether you’re currently tied into a mortgage deal or facing early repayment charges
Our York-based mortgage advisers will walk you through the whole picture, crunch the numbers, and help you weigh up the costs and benefits — no pressure, no jargon.
How much can I borrow?
Every lender is different, but generally, you may be able to borrow up to 85% of your property’s value, depending on your income, credit history, and current commitments. We’ll compare suitable options from across the market and explain what’s realistic.
Is remortgaging to repay debt right for you?
If you’re juggling repayments and want to simplify things, a remortgage for debt consolidation could be a helpful solution, but only if the numbers stack up.
We’ll give you honest advice and help you make a fully informed decision.
Based in York, serving clients across Yorkshire and the UK
Independent Advice and Support
If you’re unsure whether debt consolidation is right for you, or you want to explore impartial advice first, these resources might help:
StepChange Debt Charity – Free, confidential debt advice
Citizen Advice– National charity giving free financial guidance
National Debtline – Free advice for individuals and self-employed
There’s no pressure — just expert, independent mortgage advice from York-based advisers who genuinely care.
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