Think Mortgages Ltd

Independent mortgage broker in Bracknell

Think Mortgages Ltd is an independent mortgage broker based in Bracknell, Berkshire, UK, established in 2004. The firm presents itself as an alternative to the large corporations in the sector and works with clients across the UK, with particularly strong roots in Bracknell and the surrounding area. According to its own stated track record, it has arranged thousands of mortgages across the country.

The company describes itself as whole of market: it reviews products from more than a hundred lenders and searches thousands of mortgage products, including exclusive mortgages and lender direct products. Its team, it says, has no sales targets, which in its approach allows it to recommend the most suitable option for each profile, whether that is a well-known high street lender or a less common specialist lender.

Client profiles and types of mortgage

The firm serves first-time buyers, portfolio landlords, commercial buyers and people in difficult financial situations. It stresses that no loan is too small or too large for its range of services. In addition to mortgages, it offers protection products: life insurance, accident, sickness and unemployment cover, and critical illness cover, among others.

Support throughout the entire process

The service includes a free initial consultation in which potential costs are set out before the process begins. The company states that it supports the client throughout the entire procedure, not only with the application, and that it keeps the applicant informed at every stage. As part of its ongoing follow-up, it contacts its mortgage clients six and three months before the initial rate on their product ends, with the aim of preventing them from ending up on a variable rate.

The firm maintains that it can shorten the usual approval timescales and mentions having obtained mortgage offers in less than 24 hours.

Structure, regulation and costs

Think Mortgages Ltd is registered in England with number 05073705 and its registered office is at 20 Wylam, Bracknell, Berkshire, RG12 8XS. Its customer-facing office is at 3 Faringdon Drive, Bracknell, Berks, RG12 9NT.

The company acts as an appointed representative of Stonebridge Mortgage Solutions Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA). Its FCA registration number is 403494. Some buy to let and commercial mortgages are not regulated by the FCA. The information on the site is aimed at UK consumers in accordance with the UK regulatory regime.

As for fees, the company states that it may charge a fee for arranging the mortgage, the exact amount of which depends on the client's circumstances; it typically charges £99 upfront and £149 upon receipt of the mortgage offer.

Customer service and complaints

The managing director is Carl Bennett, who can be contacted directly regarding any issues. If a client is not satisfied with the response received, they can send their complaint in writing to Stonebridge Mortgage Solutions Ltd at Regency House, Miles Gray Road, Basildon, Essex SS14 3FR, or by telephone and email. If the complaint is not resolved with the company, the client can refer it to the Financial Ombudsman Service.

Location and contact

3 Faringdon Drive, Bracknell, Berks RG12 9NT · Telephone: 01344 421333 · Email: enquiries@thinkmortgagesltd.co.uk · Hours: Monday to Thursday: 9:00-17:30. Friday: 9:00-17:00.