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Think Mortgage

Think Mortgage

5.0(202 reviews)See reviews ↓·Adelaide

About the company

Think Mortgage is a team of mortgage brokers based in Adelaide. The business offers first home buyer loans, investment property loans, commercial loans, construction loans and specialist lending solutions. Think Mortgage was ranked No. 5 in the 2024-25 Top 50 Specialist Finance Group. Think Mortgage won the National Commercial Broker 2025 award at the 2025 SFG National Conference & Awards.

What customers say

Based on genuine customer reviews

Adelaide borrowers describe Think Mortgage as a practice built around understanding each client's circumstances before recommending anything, with named staff including Kapil Virmani, Bhavik, Ritwik Kalra, Sonu, Ravi, Mathan and Ranveer singled out for their approachability and readiness to help. A recurring theme is the effort taken to grasp individual goals and financial positions rather than applying a standard template, and a number of reviews mention plain-language explanations of each stage that made home buying or refinancing feel manageable. Communication stands out as another consistent strength, with questions answered quickly, calls returned and options laid out clearly before any commitment.

The work covered includes home loans, refinancing, equity release to fund a second property and SMSF lending, where Ritwik Kalra's specialised knowledge of the structures involved is credited with making a complex process straightforward. Bhavik draws regular mention for steady guidance and for meeting demanding approval and settlement timeframes while allowing clients to move at their own pace, and Kapil Virmani's responsiveness is also noted. Reviewers value the thorough search for a suitable outcome and the efficient, well-organised path that followed from first contact through to settlement.

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Think Mortgage — Customer photo

Reviews

Reviews are taken from publicly available sources.

MK
Me K14 July 2026

Really happy with Think Mortgage for our home loan! The team was super helpful and knew their stuff, made the whole process easy. Big shoutout to Kapil Virmani, the owner — always quick to pick up or call back whenever we had questions. Would definitely recommend them!

AN
Ahmad Nazari17 June 2026

I had a fantastic experience with Think Mortgage. The team was professional, knowledgeable, and supportive throughout the entire loan process. They took the time to explain every step clearly, answered all my questions promptly, and worked hard to secure the right loan for my needs. What impressed me most was their excellent communication and dedication to making the process as smooth and stress-free as possible. Their expertise and attention to detail gave me confidence from start to finish. I highly recommend Think Mortgage to anyone looking for a reliable and professional mortgage broker. Thank you to the team for helping me achieve my goals and for providing outstanding service.

AD
Abhinav Dhiman9 June 2026

I had a wonderful experience with Think Mortgage. Throughout the whole loan process, whole team worked efficiently and provided best proposals. Bhavik managed everything very well and I would definitely recommend Think Mortgage to anyone who is looking for loan/refinancing or any loans. Ravi and Kapil also supported well throughout the process.

AO
Anneleis OLoughlin22 May 2026

My husband and I used Think Mortgage to purchase our new home using equity in our first home. Bhavik, Kapil and Ranveer were all friendly, responsive, and nothing was too much trouble. Bhavik was in tune with us, when to go full steam ahead or when to wait for us to get things sorted our end without pressuring us. When we put an offer in, he went in full steam ahead and got it all sorted. Absolutely would use them again, and would recommend to anyone! Thanks again for helping us with this exciting new chapter.

TP
Thai Pham19 May 2026

My wife and I used Think Mortgage to unlock equity of our first house and refinanced to get the loan for our second. There were tight deadlines for formal approval and settlement which Bhavik and the team met without issue. Bhavik has had excellent communication from beginning to end. We will definitely work with Bhavik as our mortgage broker moving forward. There is a reason why the team has maintained their 5 star rating (with 189 reviews presently). Thanks again to Bhavik and the team at Think Mortgage. (Shoutout to Ranveer's assistance also with the process and for being the initial link and Kapil for building such a great team). I am writing this review as someone who has worked at 1 of the big 4 banks years ago so I overly appreciate quick turn around times, and good communication which Bhavik and the team definitely provided.

SS
Sartaj Singh5 May 2026

Highly recommended! Bhavik guided us through the entire application process and made it so much easier. He was always just a call away and answered every question we had. Thank you, Bhavik!

GS
Gagandeep Singh24 April 2026

I recently secured a home loan through Think Mortgage for a property investment within my SMSF, and I couldn’t be happier with the experience. Navigating the complexities of Limited Recourse Borrowing Arrangements (LRBA) can be daunting, but the team made the entire process seamless. I want to extend a huge thank you to Ritwik Kalra. His specialized knowledge in SMSF lending was invaluable. Ritwik took the time to explain the nuances of the structure, ensured all compliance requirements were met, and worked tirelessly to find a competitive rate that fit the fund's strategy. His professionalism and clear communication kept me informed at every milestone. If you are looking to invest in property through your super, I highly recommend Think Mortgage—and specifically Ritwik Kalra for his expertise in this area!

Mortgage brokers in Adelaide compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 12 businesses in this category in Adelaide are compared.

RankProviderRatingReviewsOpen Sat.
1McLean Home Loans★ 5,0517No
2Search Mortgages★ 5,0345No
3Think Mortgage (this page)★ 5,0202No
4Mortgage Choice Broker Adelaide/Kent Town - Michael Karp★ 5,0161No
5Kadalla Mortgage Brokers★ 5,0108Yes
Contact
Working hours
Monday09:00–21:00
Tuesday09:00–21:00
Wednesday09:00–21:00
Thursday09:00–21:00
Friday09:00–21:00
SaturdayClosed
SundayClosed