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Privacy Policy How we use your information This privacy notice, together with our terms and conditions sets out how we will use the personal data that we collect about you. It applies to information about you that you have provided to us, or information that we have collected about you. We may collect personal information from you in a variety of ways, including, but not limited to, when you visit our website, fill out a form, during a telephone conversation, or subscribe to a newsletter. You may be asked for your name, email address, mailing address, phone number and other specific details relating to your enquiry. Given that the Internet is a global environment, using it to collect and process personal data necessarily involves the transmission of data on an international basis. This means for instance that data you pass to us may be processed outside the European Economic Area, although the data will always be held securely and in line with the requirements of data protection legislation. We will however ensure that adequate measures are in place to protect your information and treat it as securely as it would have been had it remained in the EEA. We may also use your information to help us better understand you as a customer so that we can tailor our services to meet your needs, for statistical analysis and to monitor and analyse our business. Using our services When you use our service, we may process your details as required, so that we can manage your enquiry with us. This will be done based on both your legitimate interests and the legitimate interests of RMR Finance Ltd. If we provide you with financial advice, your data will be kept in accordance with FCA regulatory expectations, which in some cases mean the duration could be indefinite. By using our website If you visit our website, we will automatically collect the following information; Technical information, including internet protocol (IP) address used to connect your computer to the internet, the display language, browser type and version, the operating system and the platform. Name and job title Contact information including email address Demographic information such as post code, preferences and interests Other information relevant to customer surveys and/or offers This information is collected by cookies. You can find out more about the cookies we use, by visiting our Cookie section further down this page. Please note, to improve our website, we may use feedback you provide to improve our products and services. We believe that this is in both our customers interest and the interest of RMR Finance Ltd. We won’t share this information with anyone else, we just want to improve our service to you! What we do with the information we gather We require this information to understand your needs and provide you with a better service, and for the following reasons: Internal record keeping We may use the information to improve our products and services. We may periodically send promotional emails, subject to your consent, about new products, special offers or other information which we think you may find interesting using the email address which you have provided. From time to time, we may also use your information to contact you, subject to your consent, for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests. By completing an enquiry form The information that we collect from an enquiry form that you complete will be used to process your interest in our services. By telephone When your enquiry has been generated by an enquiry form, to gain additional information from you, we may contact you by telephone. We may ask you if you’d like to receive details of other services that we provide and any relevant offers. We will only use your personal information for this purpose if you have consented. You may unsubscribe from any email marketing via unsubscribe links placed within each email or by emailing ray@rmrfinance.co.uk . We may also ask for consent for our partners to contact you with news and information of special offers. Please be assured that we will only share your data for this purpose when you have agreed for us to do so. Your Rights: accessing your personal information In accordance with data protection legislation, you can make a request to us for the personal information we hold about you. This is called a ‘subject access request’. If we do hold information about you, we will: give you a description of it; tell you why we are holding it; tell you who it could be disclosed to; and let you have a copy of the information in an intelligible form. We will provide you with the information to which you are entitled within one month of your request. However, we will need to check who you are and therefore we will ask you for proof of identity. We do this to protect your personal information from being disclosed to anyone who should not have access to it. You may be able to exercise additional rights, such as to ask us to stop using your personal data or to delete it and you can ask us to correct any inaccurate information that we may hold about you. Links to other websites Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question. Contact Us If you have any questions about this Privacy Policy, or for more information concerning your rights, including your right to access any personal information that we hold about you, you may contact the Data Protection Officer via email at ray@rmrfinance.co.uk , or write to the Data Protection Officer at RMR Finance Ltd., 1 Oakhurst Drive, Crowborough, East Sussex, TN6 2TA. Your acceptance of these terms By using this website, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our website. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes. Information Commissioners Office If you are not satisfied with how we handle your personal data, in the first instance, please contact the Data Protection Officer using ray@rmrfinance.co.uk . Should you remain dis-satisfied, then you may contact the Information Commissioners Office: Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF Tel No: 0303 123 1113 Website: https://ico.org.uk/concerns/ Changes to this privacy policy RMR Finance Ltd. has the discretion to update this privacy policy at any time. Please check this page for any changes and to stay informed about how we process the personal information we collect. You acknowledge and agree that it is your responsibility to review this Privacy & Cookie Policy periodically and become aware of amendments. What is a Cookie and what do they do? A cookie is a text file that is put on your device (computer, laptop, notebook etc.) when you visit a web site. Cookies can give users of web sites a better experience and make them work more efficiently. Without cookies, it would be very difficult for a web site to remember the user’s preferences or registration details for a future visit. We use cookies in several different ways to ensure that every visit is smooth, helpful and informative. We sometimes use third party cookies. We have outlined below the type of cookies that we use; those that are strictly necessary for the site to function, those that are used to enhance the performance of the site, those that remember your choices to provide enhanced features and allow the site to function better for you, and those that help the site to provide a more personal (targeted) experience by gathering information about your browsing habits, for example, by remembering a website that you’ve visited. ​ Strictly Necessary: These are cookies that are necessary. If you don’t allow these cookies, then you won’t be able to use our website. ​ Analytical/Performance: These cookies allow us to count visits and traffic so that we can improve the performance of our site and the therefore improve the customer experience. If you don’t allow these cookies, then we won’t know which pages are the most (and least) popular. ​ Functionality: These cookies allow the website to provide better functionality and personalisation. If you don’t allow these cookies, then some parts of the website may not work properly. ​ Targeting: These cookies and similar technologies help personalise content. Whilst these cookies and similar technologies can track your visits to other websites, they don’t usually know who you are. ​ How do I manage cookies? Before Cookies are placed on your computer or device, you will be shown a prompt ‘pop up’ requesting your consent to set the relevant Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies, unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended. You can modify your browser settings so that it notifies you when cookies are sent to your device. This will allow you to manage the cookies that are set from using this website. You can refuse cookies altogether, however in doing so, you may not be able to use the web site at all or some parts of the web site won’t work properly. Here’s how you manage cookies in the various major browsers: MICROSOFT INTERNET EXPLORER GOOGLE CHROME MOZILLA FIREFOX APPLE SAFARI For more information on cookies and how to manage them please go to www.allaboutcookies.org or www.aboutcookies.org . To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout If you have any questions or comments on this Cookies Policy, then please contact: Data Protection Officer at ray@rmrfinance.co.uk .

First-Time Buyer's Guide Buying you first home is exciting, but it can also be a little daunting. Once the euphoria wears off of finding your perfect first home, you will probably have more questions than answers. Don't worry, we're here to help. ​ Some of the most common first-time buyer queries are answered below. Can't find what you are looking for? Click here to get in touch and Ray or Leonie will get back to you as soon as possible. Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Protection You will have home insurance to protect you if the worst were to happen to your home, but do you have insurance in case the worst happened to you? Whilst it's something none of us want to think about, it is important to have a plan in place in case you can't pay your mortgage. Do I really need life insurance? Although it is no longer a requirement of taking out a mortgage, most people decide to have some kind of insurance to cover them in the event that they are no longer able to pay their mortgage. What are the different types of insurance? There are many different policy options available to cover you in the event you could not pay your mortgage. The main ones we tend to deal with are: Critical Illness Cover This is not specifically mortgage related. It would cover you that if you a serious illness then it would pay out a one off lump sum. The idea of this is that it might pay for treatment or help with bills during recovery. The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents. ​ Decreasing Term Assurance This policy decreases at a similar level to your mortgage so should always cover the whole amount. If you die or get a terminal illness (this is a condition where the Doctor says that they think you have less than 12 months to live) then they would pay out enough to clear the whole mortgage. ​ Level Term Assurance Similar to above, but it would pay out the same amount at any time during the term of the policy. People tend to take this cover for interest-only mortgages (as the amount owed back doesn't decrease) or if they have a Help To Buy loan. Others decide to take it just so they know they will have a consistent pay out. ​ Income Protection This protects you against a shorter term loss of salary. You can decide if you would prefer this to be paid out monthly or in a lump sum. ​ It is important to note that the plans will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. Please get in touch to discuss which options would be most suitable for you. ​ ​ Book Advice Appointment Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Frequently Asked Questions I know how hard it can be to secure a mortgage, which is why I want to provide you with the best information and resources at all times. Below you’ll find answers to some of the questions I get asked the most. Still have a question? Feel free to get in touch with me using the 'Contact Us' page. How much can I borrow? This is by far the most common question I get - and not just from first-time buyers! It is much more complicated than some people think, each bank will assess overtime, commission or bonuses differently. Some banks will be much harsher on anything you have on finance. I always say get in touch and we can have a chat about this to get you a definite answer. I used an online calculator - why did I fail an AIP? Online calculators are not always accurate as you have to also know the lender's policies. Not all banks accept bonuses or overtime so you could enter it in and think you can borrow much more than they would actually lend. Please get in touch and we can cover all of the market rather than checking every calculator out there. Would interest only be better for my residential property? In nearly all cases NO! Many banks would not even lend on interest only and over 35 years you would expect to pay twice as much interest. On interest only you would expect to have around £25,000 less equity in your property after 5 years compared to a repayment mortgage. (National average figures used). Why do I need a mortgage broker when I could just apply online myself? Moving is a stressful thing and your mortgage broker should be there to help you all the way through. I would look through each lender to find who would lend the most, who is offering the cheapest deal and which lender out of almost 100 would be best for you. I would then do the application and deal with the bank as the application progresses, currently mortgage applications are taking around 3 weeks, have you got enough time to do all of that yourself? Also I deal with estate agents, solicitors and surveys everyday so I can assist and help on all of these points to try and keep your stress levels to a minimum. Which is the best lender? This answer is different for each customer, I have used 14 different banks in the last 3 months and each time the bank was the best for that person’s circumstances so it is impossible to say that one lender is the best. How often do interest rates change? At the moment, almost daily. It really is that quick moving currently, if you are offered a deal today then it could easily have changed within a matter of days and in the last 6 months they have only moved upwards so it is a difficult time for people looking to buy. We can reserve an interest rate for you for 2 months – please ask so I can explain how this works, there is no commitment on your part but means you have that rate guaranteed for the 60 days. Can I borrow 90% plus stamp duty or refurb costs? Unfortunately not. It is always worth discussing but in general this will not be an option. Need more help? Phone 07899 755157 Email Ray@RMRfinance.co.uk Connect

​ Do you hate calling a company about something that is really important to you and they can’t remember who you are or can’t find your file? That is where RMR Finance will be different. We are small enough to remember our customers - not just your names but your situation too - but we are big enough that we get access to the best deals in the market. Our focus is about building your future as that will build ours too. We are always happy to help and advise on situations without charge, we only charge if someone actually completes on a mortgage. If you need to talk about any aspect to do with your mortgage, or the buying process in general, then always feel you can call us. We will search through the whole of the market to find the lender who will lend the most or is doing the cheapest deal – everyone’s needs are different and it is our commitment that we will listen to your needs and find the best possible solution. ​ We also think it's important to be transparent, so we don't hide our fees. £350 - Standard Mortgage £500 - Complex Cases and Mortgages under £100,000 You only pay this fee at the end and only if you complete on the mortgage – if you do not complete for any reason, then you do not owe us any money. ​ About Us "Our focus is building your future." Meet the Team Mortgage Advisor Ray Williamson Get in Touch I have been a mortgage broker for nearly 10 years, and most of that time was spent working for a large corporate company. This gave me excellent experience and knowledge, but I never felt I was able to give the personalised service that my customer's deserved. ​ I set up RMR Finance in 2021 and it stands for Ray, Mel and Ralph, my family, which shows the personal nature of the company (although we might need to rename after the addition of baby Chloe in 2023!) ​ Away from work, I like running, football (I support Arsenal) and love cruises! Hi, I'm Leonie, and I help Ray with the administration side of RMR Finance. My general day-to-day tasks include getting updates on mortgages in process, helping customers with their remortgage paperwork, keying applications and responding to enquiries. Previously, I worked as an estate agent, so have a fairly good general knowledge of how the process works. I work Monday, Tuesday, Thursday & Friday 09:00-17:00 and spend my Wednesdays (not a day off!) with my 3-year old girl named Pippa. Administrator Leonie Kilborn Get in Touch Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Advice Whether you are a first-time buyer, or on your tenth move, everyone needs a bit of advice from time-to-time. We have put together the six guides below to help guide you. ​ Can't find what you are looking for? Click here to get in touch and Ray or Leonie will get back to you as soon as possible. Alternatively, click the link below to book your advice appointment. ​ Book Advice Appointment Whatever your situation, we are here to answer your questions and guide you to the best options to best suit your needs. First-Time Buyers Home Movers Remortgages Buy-to-Let Protection Equity Release Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Recommendations Whilst we know a lot about the property market, we are not the experts on everything. Need advice on something other than your mortgage? Use the links below to chat to some of our friends. Sales & Lettings Loft Estate Agents LOFT are driven with a keen eye for detail in what highlights a home, whilst understanding that every property is unique. Based in Purley. Lettings Knights Estate Agents Letting Specialists operating throughout Sussex and Surrey Knights are a full service, residential lettings specialist with over 50 years of experience. Conveyancing Need a conveyancing quote? Click here ​ ​ Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Buy-to-Let Whether you already have a property portfolio, or you are looking to rent your property for the first time, it is worth asking a broker for the most current information. ​ The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages. How much can I borrow? Buy-to-Let mortgages usually require a higher deposit than a standard residential mortgage. Sometimes you may not be able to access shorter term products or higher loan to value products. ​ The criteria for Buy-to-Let mortgages is constantly changing so book a free advice chat to make sure you are up-to-date. ​ Book Advice Appointment CREDIT REPORT - Experian - Equifax ​ We recommend using Checkmyfile.com as it is the most comprehensive credit agency – you will be amazed what the banks can find out about you! Checking here first will help you understand what they will see. ​ PROOF OF DEPOSIT - Bank/savings account statement - Stocks and shares statement - Gift letter plus bank statement - Certificate from executors (for inheritance) ​ ​ What documents do I need? PHOTOGRAPHIC IDENTIFICATION - Passport - Driving license (with the correct details on them!) BANK STATEMENTS 3 to 6 months worth - To prove expenditure and affordability ​ PROOF OF ADDRESS - Bank/credit card statement - Utility or council tax bill - Driving license (if not used for photo) ​ PROOF OF INCOME - Payslips (minimum 3 months) If employed - SA302/tax year overview (1-3 years) if self-employed. Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

First-Time Buyers Buying you first home is exciting, but it can also be a little daunting. Once the euphoria wears off of finding your perfect first home, you will probably have more questions than answers. Don't worry, we're here to help. ​ Some of the most common first-time buyer questions are answered below. Can't find what you are looking for? Click here to get in touch and Ray or Leonie will get back to you as soon as possible. What is the process for buying a property in England? There are nine main steps to buying a property in England. Most mortgage brokers would help you with two of these stages (some might help you with three). Here at RMR Finance we would help you with eight of the stages - advising, recommending solutions and then chasing people on your behalf throughout your purchase. ​ What's the one stage we don’t help with?? Saving your deposit! ​ Save up your deposit Get your paperwork and finances in order Speak to a mortgage broker Find a property and get your offer accepted Arrange your mortgage Instruct a conveyancer Survey Exchange of contracts Completion ​ For a more detailed explanation, click here to check out our First-Time Buyers Guide. What are the different types of mortgages? Mortgages can be broken down into different types depending on WHAT you pay back and HOW you pay it back. The three main types of mortgages are: Fixed rate Tracker rate Variable rate Of course there are other mortgage options on the market, but these will generally be the most relevant to first-time buyers. As always, not all options will be available to you depending on your circumstances. The best thing to do is speak to a broker beforehand who will know the lender's criteria and will be able to place you with someone suitable. ​ For more information on types of mortgages, click here to go to our First-Time Buyer's Guide. PHOTOGRAPHIC IDENTIFICATION - Passport - Driving license (with the correct details on them!) ​ BANK STATEMENTS 3 to 6 months worth - To prove expenditure and affordability ​ PROOF OF ADDRESS - Bank/credit card statement - Utility or council tax bill - Driving license (if not used for photo) ​ PROOF OF INCOME - Payslips (minimum 3 months) If employed - SA302/tax year overview (1-3 years) if self-employed ​ ​ CREDIT REPORT - Experian - Equifax ​ ​ We recommend using Checkmyfile.com as it is the most comprehensive credit agency – you will be amazed what the banks can find out about you! Checking here first will help you understand what they will see. ​ PROOF OF DEPOSIT - Bank/savings account statement - Stocks and shares statement - Gift letter plus bank statement - Certificate from executors (for inheritance) ​ ​ What documents do I need? Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Welcome to RMR Finance Ltd. We offer whole of market independent mortgage advice for first-time buyers, remortgages, product transfers, additional borrowing and equity release. About Us "Our focus is building your future." Whole of Market We have access to the whole market so you can rest assured that you are always getting the best mortgage deal available. Free Mortgage Advice Making the right decision for you is important and that's why we never charge for an advice chat. Fast & Reliable Everyone is busy and it can be hard to organise your mortgage whilst juggling daily life. We do the legwork for you. Book Advice Appointment How Can We Help? Whatever your situation, we are here to answer your questions and guide you to the best options to best suit your needs. First-Time Buyers Home Movers Remortgages Buy-to-Let Protection Know how much you want to borrow? Use our quick calculator What our customers say about us We have being using Ray since we moved into our first home 6 years ago. 6 years later we are moving into our second home and Ray and his team have been more helpful then we could have asked for. Constantly striving to get the best deal for us, he has made sure the financial side of our second move has been easy and stress free. If you are looking for friendly and professional advise, then look no further. September 2024 - Darrell K. Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect Terms & Conditions Privacy Policy Complaints

Contact Us We hope that you found all the information that you needed on our website. However, if you still have questions, or just wanted a chat to an independent mortgage advisor, use the form below and we will be in touch as soon as possible. First Name Last Name Email Message Phone How did you hear about us? Send We will be in touch soon! No information will be used for marketing purposes without individual consent. Facebook Instagram TikTok Opening Hours Mon - Fri 8:00 am – 6:00 pm Evening & Weekend Please contact us to discuss Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect

Home Movers This might not be your first rodeo, but the housing market changes all the time. See our guide below for the most up-to-date advice when moving home. ​ Can't find what you are looking for? Click here to get in touch and Ray or Leonie will get back to you as soon as possible. Important Information As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Can I just transfer my current mortgage? Potentially. This is called 'porting' your mortgage and it is where you take your current mortgage to a new property and add on any extra funds that you need. However, not all mortgages will allow you to do this so you will need to check your current mortgage terms and conditions. Book Advice Appointment What documents do I need? What are the different types of mortgages? Mortgages can be broken down into different types depending on WHAT you pay back and HOW you pay it back. The three main types of mortgages are: Fixed rate Tracker rate Variable rate Of course there are other mortgage options on the market, but these will generally be the most relevant to first-time buyers. As always, not all options will be available to you depending on your circumstances. The best thing to do is speak to a broker beforehand who will know the lender's criteria and will be able to place you with someone suitable. ​ ​ Book Advice Appointment CREDIT REPORT - Experian - Equifax ​ We recommend using Checkmyfile.com as it is the most comprehensive credit agency – you will be amazed what the banks can find out about you! Checking here first will help you understand what they will see. ​ PROOF OF DEPOSIT - Bank/savings account statement - Stocks and shares statement - Gift letter plus bank statement - Certificate from executors (for inheritance) ​ ​ PHOTOGRAPHIC IDENTIFICATION - Passport - Driving license (with the correct details on them!) BANK STATEMENTS 3 to 6 months worth - To prove expenditure and affordability ​ PROOF OF ADDRESS - Bank/credit card statement - Utility or council tax bill - Driving license (if not used for photo) ​ PROOF OF INCOME - Payslips (minimum 3 months) If employed - SA302/tax year overview (1-3 years) if self-employed. Need more help? Phone 07899 755157 Email Ray@RMRFinance.co.uk Connect