The UK’s Trusted Mortgage & Protection Advisers
Hundreds of advisers nationwide. One place to find yours.
Pivotal brings together specialist mortgage and protection advisers from across the UK, so you can get the right advice without the search.
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Experts Nationwide
- No Obligation
- Rated 4.4 out of 5
- Access 141+ Lenders
Get The Advice You Need
Specialist advice for every situation
Trusted by thousands of UK homeowners, investors and business owners, Pivotal puts your whole money picture in one place. You’ll be matched with one of 25+ specialist teams across our group, each focused on the cases they know best, to help you discover mortgage rates, loans, protection and insurance from across the market.
First time buyer
Get on the ladder with expert advice and access to the latest rates on the market.
Remortgage
Easily compare remortgage deals from a wide range of lenders before your current one ends.
Buy to let
Speak to a dedicated buy to let specialist with access to lenders across the landlord market.
Adverse credit
Been declined before? We know the lenders who look beyond your credit score.
Second charge
Raising money against your home is a big decision. Our experts will talk you through it.
Commercial
High street and specialist lenders, all through one commercial finance team.
Bridging
Short-term finance, from people who know the bridging market inside out.
New Build
New builds have their own rules. Our experts know them, and the lenders to match.
Ready to Get Started?
Only takes about 2 minutes
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Lenders
How it works
Over 585 advisers. One simple way to find yours.
Getting the right advice doesn’t have to be complicated. In just three easy steps, you’ll be matched with an adviser and on your way.
Why Pivotal
Our superpower? Finding the right specialist for you
Expertise
You get access to 25+ specialist teams, each focused on what they know best, from first homes to commercial finance.
Choice
With us, you can easily compare up to 141+ lenders, from high street names to specialist lenders, so you find the right one.
Seamless
We can arrange your mortgage and protection together, so nothing gets missed.
Speed
We move quickly, so you can get moving sooner, and it takes just two minutes to get started.
Real Reviews
What our clients say
Rated 4.4 out of 5 · Over 45,000 reviews across our group
★★★★★ Rated 5 out of 5
5 / 5
These guys are amazing. Massive thank you to Vuk who got us a mortgage in the trickiest of times, with a not very straight forward situation. Great communication from start to finish, top professional and all round great guy. So lucky to have found this company, thank you
Jay - John Charcol
June 2026
☆☆☆☆☆ Rated 5 out of 5
5 / 5
If I could give more stars I would, my husband and I have been in contact with Stuart, ours wasn’t a straightforward mortgage and we are first time buyers. Stuart has been absolutely fantastic; he found us a great mortgage and was faster than you could imagine and got us a great mortgage offer. He also helped with building and contents insurance and has been helping with life insurance. Couldn’t have received a better service. Would recommend to everyone!!
Embrace Financial Services
June 2026
☆☆☆☆☆ Rated 5 out of 5
5 / 5
Excellent service from Believe Loans. Very efficient, with great communication throughout and a quick result. Highly recommend!
Believe Loans
September 2026
☆☆☆☆☆ Rated 5 out of 5
5 / 5
Watts have just finished arranging a mortgage to make it possible to purchase my business premises. 1st class service from Steve and Daniel they even sent a bottle champagne to congratulate us on the purchase what a touch of class on the team’s behalf. If you looking for finance this is company to use.
Straight forward and no stress.
Watts Commercial Finance
January 2026
Putting People First
Real advisers, not call centres
Whoever you’re matched with, you keep the same adviser from first call to completion. You will also get the support of our expert case management and admin teams.
Find Out More
Power in your pocket
Pivotal puts your whole money picture in one place. Get started today to discover mortgage rates, loans, credit and insurance across the market, with no impact on your credit score.
Insurance & protection
Cover that keeps your home yours and your legacy protected
A mortgage or a loan is a commitment. Our insurance and protection advisers can arrange life cover, critical illness and income protection matched to your unique situation, so the unexpected never puts you or your loved ones at risk.
FAQs
Questions, answered
Whatever’s on your mind, chances are we can help.
Our advisers are just a call away.
Yes. You speak to an adviser with no obligation, and any fees are explained clearly before you commit to anything.
No. Checking your options with us uses a soft search, which has no impact on your credit score. A hard search only happens if and when you decide to go ahead with an application.
Often, yes. Several of our specialist teams are experts in adverse credit and complex income, and work with lenders most brokers don't.
Yes. We can help with all types of protection and insurance including Life Insurance, Critical Illness, Income Protection and Home Insurance - all arranged alongside your mortgage or on their own.
All of Pivotal's advisers are regulated by the Financial Conduct Authority, so you can be confident you're getting advice you can trust.
Our wider group also contains a range of firms who provide advice on mortgages, lending, protection and general insurances, including more specialist services. Depending on your needs, we might refer you to one of these firms instead of providing the service ourselves. These firms are all wholly owned by our Parent Company, Pivotal Growth Limited
Contact
- A: C/O John Charcol Group, Unit A Drivers Wharf, Northam Road, Southampton, Hampshire, England, SO14 0PF
- E: info@pivotal.co.uk
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