Business Details
Independent Mortgage & Insurance Experts in London
Think Plutus is an independent, whole-of-market mortgage broker and insurance adviser based in London, serving clients across the UK. With access to over 10,000 mortgage products from 120+ lenders, we specialise in tailoring solutions for first-time buyers, property investors, self-employed individuals, and those with complex financial circumstances. Our team of experts provides end-to-end support, from initial consultation to completion, ensuring a seamless experience.We prioritise client relationships, offering impartial advice on mortgages, equity release, and protection policies. Our regulatory compliance and partnerships with leading lenders underscore our commitment to transparency and client satisfaction. By combining market expertise with a personalised approach, we help clients navigate property finance and insurance challenges with confidence.
Services
First-Time Buyer Mortgages
Buy to Let Mortgages
Equity Release
Bridging Loans
Self-Employed Mortgages
Life Insurance
Critical Illness Cover
Commercial Mortgages
Remortgage
Development Finance
Highlights and features
- We offer access to 10,000+ mortgage products from 120+ lenders.
- Our team specialises in complex cases including self-employed and bad credit mortgages.
- We provide impartial, whole-of-market equity release advice with a fixed fee of 995.
- Our advisers are FCA-authorised and regulated for compliance and client protection.
- We manage applications from start to completion with dedicated one-to-one support.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgage Brokerage
Think Plutus provides independent mortgage brokerage services across residential and investment markets. We access 10,000+ products from 120+ lenders, specialising in first-time buyer mortgages, buy-to-let financing, and complex cases. Our FCA-regulated advisers ensure tailored solutions for individuals and businesses.
Equity Release
We offer specialist equity release advice for homeowners aged 55+. Our services include lump sum and drawdown lifetime mortgages with competitive rates. We explain implications for estates and benefits, ensuring informed decisions aligned with retirement goals.
Insurance Services
Think Plutus advises on life insurance, critical illness cover, and income protection policies. We assess client needs to recommend tailored protection plans that safeguard families and businesses against unforeseen circumstances.
Specialist Mortgages
Our expertise covers non-standard mortgages including self-employed, bad credit, and overseas investor cases. We secure financing for unique scenarios such as contractor mortgages and properties with unconventional construction.
Property Finance Solutions
We arrange bridging loans, refurbishment mortgages, and commercial property financing. Our services support property developers and investors seeking short-term funding or long-term investment strategies.
People
Dave Relfe
Mortgage & Insurance Adviser
Dave Relfe is a Chartered MCSI and DipPFS-qualified mortgage adviser with over 20 years' experience. He specialises in tailored mortgage solutions for first-time buyers, investors, and complex cases. Dave focuses on long-term client relationships and holistic financial planning.
Questions
What mortgage options are available for first-time buyers?
We offer first-time buyer mortgages with competitive rates, including government schemes and low-deposit options. Our advisers help navigate eligibility criteria and secure optimal deals.
Can I get a mortgage with bad credit?
Yes, we specialise in adverse credit mortgages. We assess your situation and recommend lenders with flexible criteria, helping you rebuild financial credibility through property ownership.
How does equity release affect inheritance?
Equity release reduces the value of your estate. We explain implications for beneficiaries and ensure you understand repayment terms tied to property sale upon death or long-term care.
What insurance policies protect mortgage payments?
We recommend life insurance, critical illness cover, and income protection policies to safeguard mortgage payments during unemployment, illness, or death of the primary earner.
Do you offer commercial property financing?
Yes, we arrange commercial mortgages for buy-to-let investors, limited companies, and property developers. Our services include SPV mortgages and HMO financing.
What fees apply to mortgage advice?
Our mortgage advice fees range from £495 to £995, depending on complexity. We provide transparent cost breakdowns before commencing services.
