Business Details
Your Trusted Mortgage & Insurance Partner in London
Think Plutus is an independent, whole-of-market mortgage broker and insurance adviser based in London. With access to over 10,000 mortgage products from 120+ lenders, we specialise in providing tailored financial solutions for homeowners, property investors, and expatriates. Our team of experienced advisers prioritises client needs, offering comprehensive support from initial consultation through to mortgage completion. We combine market expertise with a personalised approach to ensure clients secure competitive deals aligned with their unique circumstances.Our services extend to specialist mortgages, equity release, and protection policies, underpinned by FCA regulation and a commitment to transparency. By managing the entire application process, we aim to reduce client stress while maximising financial opportunities. Our reputation for exceptional service is built on years of industry experience and a focus on long-term client relationships.
Services
First-Time Buyer Mortgages
Buy to Let Mortgages
Equity Release
Insurance Services
Specialist Mortgages
Highlights and features
- We offer access to 10,000+ mortgage products from 120+ lenders.
- Our team provides tailored advice for unique financial circumstances.
- FCA regulation ensures compliance with strict professional standards.
- We manage the entire mortgage process from application to completion.
- Specialist expertise in buy-to-let, equity release, and complex cases.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgage Advice
We provide independent mortgage advice tailored to individual circumstances. Our FCA-regulated advisers help clients access competitive deals across 10,000+ products from 120+ lenders. From first-time buyers to property investors, we simplify the application process while ensuring optimal financial solutions.
Equity Release
Our equity release specialists help homeowners aged 55+ unlock tax-free cash from their property. We offer impartial advice on lump sum or drawdown lifetime mortgages, ensuring clients understand the impact on their estate and financial future while meeting eligibility criteria.
Insurance Services
We provide comprehensive insurance solutions including life cover, critical illness, income protection, and family income benefit. Our advisers assess client needs to recommend policies that safeguard mortgages and maintain lifestyle security during unforeseen circumstances.
Buy to Let Mortgages
We specialise in buy-to-let mortgages for landlords and property investors. Our services include portfolio optimisation, competitive rate negotiations, and tailored advice on limited company and HMO mortgages, ensuring profitable rental investments with suitable exit strategies.
Specialist Mortgages
We handle specialist mortgage requirements including self-employed applicants, bad credit histories, and unique property types. Our expertise covers bridging loans, self-build mortgages, and commercial finance, providing solutions where mainstream lenders may decline applications.
People
Dave Relfe
Mortgage & Insurance Adviser
Dave Relfe, principal adviser at Think Plutus, specialises in tailored mortgage and protection solutions. With Chartered MCSI status and years of experience, he guides clients through complex financial decisions, focusing on long-term relationships and holistic advice.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including government schemes and low-deposit options, ensuring accessible homeownership solutions.
Can I get a mortgage with bad credit?
Yes, we specialise in adverse credit mortgages, working with niche lenders to find suitable deals while advising on deposit requirements and eligibility criteria.
How does equity release affect inheritance?
Equity release reduces your estate's value. We explain lifetime mortgage terms, including no-negative-equity guarantees, to ensure informed decisions about inheritance impact.
What insurance policies protect my mortgage?
We recommend life insurance, critical illness cover, and income protection to safeguard mortgage payments during unforeseen circumstances, tailored to your financial obligations.
Do you offer buy-to-let mortgage advice for landlords?
Yes, we provide specialist buy-to-let mortgages, including portfolio management, HMO financing, and limited company options, optimising rental investment profitability.
How much does mortgage advice cost?
Our mortgage advice fee ranges from £495 to £995, depending on complexity, with transparent pricing discussed upfront before any commitment.
