Think Plutus

Think Plutus operates as an independent mortgage broker and insurance adviser based in London, serving clients across the UK [scraped, 3]. The firm provides access to a comprehensive range of over 10,000 mortgage products from more than 120 lenders, offering a whole-of-market perspective to its clients [scraped, 3]. The company's objective is to deliver a tailored, one-to-one mortgage advice service, aiming to facilitate property financing with efficiency and convenience [scraped]. This approach is designed to simplify the process of securing property finance for various client needs [scraped, 1].

The firm emphasizes its role in guiding clients through the complexities of the mortgage market [scraped, 3]. For individual homeowners, Think Plutus offers advice across a spectrum of mortgage requirements. This includes support for first-time buyers navigating their initial property purchase, as well as services for those looking to remortgage their existing properties [scraped]. The company also assists clients who are moving home, ensuring continuity and appropriate financing for their next residence [scraped].

Additionally, the firm provides specialized mortgage solutions for self-employed individuals, addressing their unique income and lending criteria [scraped]. Lifetime mortgages are also part of the company's offerings, catering to specific long-term financial planning needs [scraped]. Beyond standard residential mortgages, Think Plutus specializes in various forms of property finance for complex projects and investments [scraped]. The firm provides bridging loans for rapid property acquisitions or short-term financing needs [scraped].

Development finance is available for property construction and renovation projects, alongside refurbishment mortgages designed for property upgrades [scraped]. For those undertaking new builds, self-build mortgages are offered to support the construction process [scraped]. The company also advises on buy-to-let mortgages, including options for limited companies, and commercial buy-to-let mortgages, catering to property investors and businesses [scraped]. These services are intended to support a range of property investment strategies and complex financial requirements [scraped].

In addition to its mortgage advisory services, Think Plutus offers comprehensive insurance advice to protect clients' assets and financial futures [scraped]. The firm provides guidance on life insurance, critical illness cover, and income protection, designed to safeguard individuals and their families against unforeseen circumstances [scraped, 3]. Family income benefit policies are also arranged to provide ongoing financial support [scraped]. For property owners, the company offers home insurance, and for landlords, specific landlord insurance policies are available to cover rental properties [scraped].

The firm's approach involves understanding client circumstances to secure appropriate protection policies [scraped, 3]. The company's operational philosophy centers on managing the entire mortgage and insurance process from initial application through to completion [scraped, 3]. This involves gathering detailed information from clients to understand their specific circumstances and then searching the market to identify suitable lenders and deals [scraped, 3]. Think Plutus handles the application process on behalf of its clients, aiming for a smooth journey with minimal disruption [scraped, 3].

The firm's expertise extends to helping expats and foreign nationals navigate the intricacies of UK property finance from overseas. Dave Relfe, the principal mortgage and protection adviser, is noted for devising a client-focused approach that emphasizes ongoing relationships and tailored advice.