Privacy Policy

This Privacy Policy governs the manner in which Pluto Finance collects, uses, maintains and discloses information collected from users (each, a “User”) of the website (“Site”). This privacy policy applies to the Site and all products and services offered by Pluto Finance.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, place an order, subscribe to the newsletter, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilised and other similar information.

Information collection and use

While using our website, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information (“Personal Information”) may include, but is not limited to: Name, email address, contact numbers, address. Pluto Finance will use this data to follow up and get in contact with the intentions of providing our services and entering a contract with you. We will then issue you with a letter of engagement that will outline the terms and conditions of the engagement.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Pluto Finance may collect and use Users personal information for the following purposes:

  • – To improve customer service
    Information you provide helps us respond to your customer service requests and support needs more efficiently.
  • – To personalise user experience
    We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
  • – To process payments
    We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
  • – To run a promotion, contest, survey or other Site feature
    To send Users information they agreed to receive about topics we think will be of interest to them.
  • – To send periodic emails
    We may use the email address to send them information and updates pertaining to their order. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.


We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used.These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.


The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.


We collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.


Unless otherwise noted, all materials including without limitation, logos, brand names, images, designs, photographs, video clips and written and other materials that appear as part of our Website are copyrights, trademarks, service marks, trade dress and/or other intellectual property whether registered or unregistered (“Intellectual Property”) owned, controlled or licensed by Pluto Finance. Our Website as a whole is protected by copyright. Nothing on our Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Intellectual Property displayed or used on our Website, without the prior written permission of the Intellectual Property owner. Pluto Finance aggressively enforces its intellectual property rights to the fullest extent of the law. The names and logos of Pluto Finance, may not be used in any way, including in advertising or publicity pertaining to distribution of materials on our Website, without prior, written permission from Pluto Finance. Fair use of Pluto Finance’s Intellectual Property requires proper acknowledgment. Other product and company names mentioned in our Website may be the Intellectual Property of their respective owners.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Changes to this privacy policy

Pluto Finance has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site and send you an email. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:


Pluto Finance

15–16 Buckingham Street



Telephone: 02074422100


Pluto Finance successfully closes £60m loan for Signia Living for their Sydney Road development

Pluto Finance, a leading provider of property finance, is pleased to announce the successful closing of a residential development loan to support a new housing development, Sydney Road, in Watford.


The client, Signia Living, is a property developer based in Harrow, North London with an extensive portfolio in and around North West London.


Pluto Finance have provided a £60 million residential development loan, for the development of 231 new build residential units and 120 parking spaces. The developer’s intended strategy for this scheme is fluid, and Pluto’s loan structuring allows the borrower to pursue numerous approaches for the scheme in the future.


Pluto Finance have worked with Signia on numerous occasions, ranging from small bridge loans starting from £8.0m, to this £60m transaction. This illustrates the full range of loan sizes that Pluto can facilitate and commitment to supporting borrowers at every stage of their growth, and underlines Pluto Finance’s expertise and understanding of different approaches to lending, ensuring the borrower can align the bespoke financing with their plans.


Mario Ioannides, Partner at Pluto Finance, commented: “We are delighted to support our good friends at Signia Living with this development. At Pluto Finance, we are continually partnering with developers that contribute essential housing supply to the local market, and we firmly believe that this latest development will yield significant advantages for the community.”


Dhiraj Dabasia, Director of Jaysam Contractors and Head of Development at Signia Living commented: “Sydney Road, Watford is an important regeneration development in Watford and with the support of Pluto Finance, we are able to deliver over 200 new homes and continue our plans for delivering high quality development schemes across North and West London. We have worked with Pluto Finance now on a number of developments due to their expertise and thorough understanding of the market, and this is something we look to continue with as the size of our development schemes continue to grow.”

If you want to find out more on how we can help you with your next project,
contact our team today via email 

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Meet the Team: Simon Chapman, Lending Director

1.   What has been the highlight of your career at Pluto so far?


I would say drawing my largest ever loan stands out. The loan was for a client who I have worked with for over 10 years, starting with their first development; a conversion of a house into flats, and then again with their largest project to-date – a scheme comprising 100 units in West Hampstead. This utilised a loan of £45m to deliver this scheme.


The project is now completed, and the units are selling extremely fast. It is great to see and support someone I have maintained a collaborative relationship with over the years excel from the start of their journey and into the future.


2.     Can you share an example of a particularly challenging bridging loan scenario you’ve encountered and how you and the team navigated through it successfully?


Commercial bridge loans are not easy, in particular development site opportunities. One in particular stands out relating to a recent project in Kent. The difficulties here were that the site was an existing PH and storage facility, where our client was intending to receive planning consent for a small, mixed use light industrial scheme, comprising of 6 units. What was difficult here was that the end use value was guided by the strength of the potential commercial tenants, with terms that were not yet agreed. We had to take a view on the GDV, the construction costs and the fact it did not have planning yet to work out where we would be on leverage.


Suffice to say, our client now has planning consent, pre-lets are in place and we are about to drawdown the development loan piece.


Examples of loans like these need patience, precision and understanding of such complex issues so that we can inevitably ensure we can guide our client in the clearest possible way.


3.     What event this year are you most looking forward to?


It has to be the B&C Awards! Held every year at the Hurlingham Club, it brings together the best in our industry, and provides a platform for fostering collaboration, pioneering new ideas, and above all, it is definitely a fun night! I have attended every year since it started, and you will see Pluto Finance there again this year.


4.     Do you have any hidden talents?


Prior to getting into property finance, I was actually a trained chef. Way back in the mid 90’s, I worked in a few different restaurants, and I was second chef for a chain of Italian restaurants called Café Uno, based in Tunbridge Wells. I assisted in opening new restaurants in Brighton and Sevenoaks, training their kitchen chefs and being there for those hectic first few weeks of a new restaurant opening.


People say that Italian Food is the easiest to cook using few ingredients, but the reality is what you do with them. My signature dish has to be my Beef Ragu… I have my own secret recipe too!


5.     What is your favourite film?


      Must be the Godfather trilogy, but in particular Godfather 2. One of Francis Coppola’s finest Directorships, pure class.


6.     What are the top 3 things that are influencing the market you work in at the moment?


     Generally, it would have to be inflation pressures, interest rates and general uncertainty in global stability.


7.     Favourite football team?


     A lot of people do know this but my team is Millwall FC. I am a season ticket holder and go to both home and away games with my son. Real football for real fans I would have        to say.


8.     What’s the best kept secret about Pluto Finance?


We can beat most lenders on pricing from low to high leveraged transactions across multiple asset classes. We make a point in understanding transactions and finding solutions for complex matters… we don’t have a rate card, but price for risk.


If you want to find out more on how we can help you with your next project, contact Simon via email or give him a call on (0)207 442 2117

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