Pluto Finance
Specialist LenderPluto Finance is a London-based specialist bridging lender offering short-term property loans for residential and commercial assets. The lender focuses on providing competitive bridging solutions with a straightforward process for property professionals.
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About Pluto Finance
Pluto Finance is a specialist bridging lender headquartered in London, providing short-term property finance for investors and developers across England and Wales. The lender was established to offer a streamlined, efficient alternative in the bridging market, with a focus on competitive pricing and clear processes. Pluto Finance serves experienced property professionals through intermediary partners.
Pluto Finance offers first charge bridging loans for purchases, refinances, and light refurbishment projects. The lender covers residential and commercial property security and takes a deal-focused approach to underwriting. Pluto Finance aims to keep the process simple and transparent, providing clear terms from the outset and avoiding unnecessary complexity.
Pluto Finance operates through broker partners and has built a following among intermediaries who value straightforward dealing and competitive rates. The lender prides itself on honesty and transparency, delivering on the terms quoted at the outset. Pluto Finance has grown through referrals and repeat business in the specialist finance community.
Lending Focus
Pluto Finance offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- First charge bridging loans for residential and commercial property
- Competitive pricing with clear, upfront terms
- Streamlined process with minimal complexity
- Deal-focused underwriting approach
- Covers England and Wales
Pros & Cons
Pros
- Competitive rates with transparent, honest pricing
- Streamlined process designed to minimise complexity and delays
- Delivers on quoted terms — no last-minute surprises
- Growing reputation for straightforward dealing
Cons
- –Broker-only — no direct access for borrowers
- –No development finance or second charge products
- –Smaller lender with limited brand recognition
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC on standard bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Pluto Finance
Application Process
- Processing Time
- 2–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
What makes Pluto Finance different from other bridging lenders?
Does Pluto Finance offer development finance?
What is the maximum LTV for Pluto Finance bridging loans?
How quickly can Pluto Finance complete a loan?
How to Apply
Broker only. Pluto Finance products are available through mortgage brokers. Find a broker with Pluto Finance on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.