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Pinnacle / About Us

About Us

The market crash of 2008 radically changed the real estate market. Funding options nosedived, too. The knock-on effect made developers and investors cautious about relying on banks.

Is it any wonder that bankers are now less popular than politicians?

Their failings:

  • lack of understanding
  • Loss of the personal touch
  • Inability to make decisions without layers of bureaucracy
  • No guarantees of positive results and complex lending models.

The list is endless, the world of finance has been on an uncomfortable rollercoaster ride.

At Pinnacle, we’ve endured the turbulence with our constant focus on providing a world class service.  Where others see complexities, we find the solutions.

We’ve arranged more than a quarter of a billion of development and investment loans for our clients in recent years.

We have total understanding of ‘both sides of the desk’. This allows us to help borrowers in a unique way.

Selective lenders have appointed us as trusted partners to their businesses. The result? We guarantee to deliver a service of excellence to borrowers.

The market is currently vibrant and opportunities for both developments and investment portfolios show little signs of slowing.

The result of the June 2016 Brexit vote has seen a significant shift in lenders attitudes.  Added to this, as of January 2017, the regulator PRA have introduced new guidelines regarding the capital that banks and other lenders need to hold on their balance sheets against development loans.  This is having a significant effect on costs of funds and has seen rates increase.  We are ideally positioned to take advantage of these moving factors and will continue to guide our clients towards the best deals for them.

Examples of Deals Completed


Residential Investment Project

Substantial portfolio of residential units with combined valuation of £98 million.

Refinanced to take out existing (expiring) loan of £43 million held by one of the UK High Street banks. Broad mix of London properties.

5-year term with option to extend for further 5 years. Fixed rate interest-only facility at 4.99% for initial 5 years. Option to extend for 5 years at 4% over LIBOR or re-fixed on 5th anniversary at a future 5-year fixed rate.

Interest-only facility with flexible option to repay up to 10% p.a., penalty free.


Residential Development Scheme

Option to ‘term out’ the facility – ability to switch to an investment loan upon completion at 60% of GDV. This assumes rental income providing a minimum of 1.5x interest cover.

£6.1m loan secured against a single substantial residential unit in Wimbledon.

18-month facility with interest rolled during the term.

Arrangement fee of 1.5% with fixed interest term loan (drawn against certificates during the build) at 6.5%.


Mixed-Use Scheme

A mixed use portfolio where each of the properties contained commercial and residential units, let on standard ASTs on upper floors. Overall loan of £10.3m. Secured against a valuation of £22.3m on an interest-only basis. Fixed rate of 6.85% over 5-year term. Unrestricted amortization with a final early redemption charge (ERC) of 1%.


Commercial Development

Mixed-use scheme based in North West of England. Pre-let commercial units to grade A tenants with some residential aspect. Blended rate of 6.5% during construction. Arrangement fee of 2% with flexible option fee (subject to refinancing options) ranging from 0-2%.

Meet the team


Tony Lynam

Founding partner of the Pinnacle Group. Qualified financial planner. Distinctions in law and portfolio management. Totally professional.

Tony spent the first decade of his career working for private banking divisions of two of the UK’s largest banking organisations. He advised in law, financial planning and investment at management and executive levels.

Over the last decade Tony has overseen our rapid growth and presence in the market, covering all aspects of commercial property.

Under his stewardship we have assisted clients with acquisitions and disposals, debt purchase, financing and refinancing of investment and development schemes and JVs.

Tony currently acts as a consultant to Secure Trust Bank PLC (Real Estate Finance). Through his strong relationships with many UK lenders, he constantly creates new business channels. Tony is ultimately responsible for accepting new business proposals and placing them with the most suitable lenders.


Richard Morris

Vastly experienced Projects and Business Director. Operates across range of industry sectors. Highly respected at management and executive level.

Richard’s career began in the Royal Navy, specialising in missile systems engineering and management; whilst on dry land, he moved into large scale projects delivery as well as operational business management roles. He focused mainly on technology and business change programmes, finding common sense solutions in today’s complex world of finance.

Richard’s Financial Services experience has been at the highest level within the wealth management, mortgage and commercial and personal lending sectors.

He is responsible for overseeing new lending opportunities once they have been accepted, managing relations with the lending panel and clients.

Richard also oversees consultant and broker introductions, guiding them to follow the Pinnacle model and support taking us forward in today’s vibrant marketplace.

Richard is a member of The Institute of Directors.


Robert Steel

Robert has spent his entire career in the financial services sector, building and maintaining strong relationships with individuals, SMEs and their advisors.

Robert began his career in final salary pension administration in 1986, moving on to providing financial advice through major high street banks and then into Wealth Management with more specialist firms. Latterly, he was an adviser with the FTSE 100 company Hargreaves Lansdown, before becoming a partner at Pinnacle, where he helps our clients meet their objectives though lending and refinance.

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