Business Details
Expert Mortgage and Insurance Advice in London
Think Plutus is a specialist independent mortgage broker and insurance adviser based in London, offering whole-of-market access to over 10,000 mortgage products from 120+ lenders. With a focus on tailored, one-to-one advice, we guide clients through the complexities of property finance, from first-time buyer mortgages to specialist property investments. Our team of experienced advisers, including Chartered MCSI-qualified professionals, prioritises client needs by leveraging deep market knowledge and a personal approach. As part of The Finance Planning Group Limited, we are authorised and regulated by the Financial Conduct Authority (FCA), ensuring adherence to rigorous standards.Our services extend to expats and foreign nationals, with expertise in bridging loans, development finance, and equity release solutions. We manage the entire mortgage process from application to completion, ensuring a seamless experience. Our commitment to transparency is reflected in our fixed-fee structure, with no hidden costs. With over two decades of combined experience, we specialise in addressing complex cases, including bad credit mortgages and self-employed lending. Our reputation for exceptional service is built on a foundation of trust, expertise, and a client-centric philosophy that places your financial goals at the heart of every decision.
Services
First-Time Buyer Mortgages
Buy to Let Mortgages
Equity Release
Insurance Services
Remortgage
Bridging Loans
Self-Employed Mortgages
Commercial Mortgages
Development Finance
Lifetime Mortgages
Highlights and features
- We offer access to 10,000+ mortgage products from 120+ lenders.
- Our team includes Chartered MCSI-qualified advisers with 20+ years of experience.
- We provide tailored solutions for complex cases, including bad credit and self-employed mortgages.
- Our fixed-fee structure ensures transparency with no hidden costs.
- We are FCA-authorised, guaranteeing compliance with rigorous financial standards.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgage Advice
Think Plutus provides independent mortgage advice tailored to your unique circumstances, whether you're a first-time buyer, investor, or have complex financial needs. Our whole-of-market approach ensures access to competitive rates and specialist products. With FCA regulation and a fixed-fee structure, we prioritise transparency and client satisfaction.
Equity Release
We offer expert equity release advice for homeowners aged 55+, enabling tax-free cash withdrawals through lifetime or drawdown mortgages. Our team explains options, eligibility criteria, and implications, ensuring informed decisions aligned with retirement goals and family financial security.
Buy to Let Mortgages
Think Plutus specialises in buy-to-let mortgages, helping landlords secure financing for rental properties. We advise on eligibility, deposit requirements, and lender selection, with expertise in limited company and HMO mortgages. Our services include market comparisons and application support.
Insurance Services
We provide comprehensive insurance solutions, including life, critical illness, and income protection policies. Our advisers assess your needs to recommend tailored coverage that safeguards your mortgage and family financial security against unforeseen events.
Remortgage
Our remortgage service helps clients secure better rates, release equity, or consolidate debt. We evaluate your current mortgage, financial goals, and market options to facilitate seamless transitions with minimal disruption.
People
Dave Relfe
Mortgage & Insurance Adviser
Dave Relfe, a Chartered MCSI-qualified adviser, specialises in tailored mortgage and protection solutions. With expertise in first-time buyers, buy-to-let, and equity release, he focuses on long-term client relationships and holistic financial planning.
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 bad credit mortgages, working with niche lenders to find solutions for late payments, defaults, or CCJs.
How does equity release affect inheritance?
Equity release reduces your estate's value, potentially impacting inheritance. We explain implications and alternatives during your consultation.
What insurance policies protect my mortgage?
We recommend life insurance, critical illness cover, and income protection to safeguard mortgage payments against unforeseen circumstances.
Do you offer buy-to-let mortgages for limited companies?
Yes, we provide limited company buy-to-let mortgages, including SPV structures, with expertise in landlord-specific financing needs.
What fees are involved in your services?
Our mortgage advice fee ranges from £495–£995, with transparent pricing and no hidden costs.
