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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 Equity Release Know how much you want to borrow? Use our quick calculator What our customers say about us ​ I was pointed in Rays direction by a friend for mortgage advice when my partner and I were buying our first property, we had no clue on where to start. Ray and Leonie could not have been more helpful, with their knowledge and expertise the whole process was a breeze. As mentioned in some of the other reviews, Ray will go above and beyond to get the best result, they both kept us updated throughout and were very informative. I would most definitely use Ray again and will absolutely recommend them. Thank you both very much. Carly and Phil. February 2023 - Carly G. Need more help? Phone 07899 755157 Email ray@thisisprome.com Connect Terms & Conditions Privacy Policy Complaints

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. 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@thisisprome.com Connect

Terms & Conditions Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern RMR Finance Ltd.'s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website. The term ‘RMR Finance Ltd.’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is 1 Oakhurst Drive, Crowborough, TN6 2TA. Our company registration number is 13506538 on Companies House. The term ‘you’ refers to the user or viewer of our website. The use of this website is subject to the following terms of use: The content of the pages of this website is for your general information and use only. It is subject to change without notice. This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions. All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website. Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence. From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.

Remortgage Guide People often get overwhelmed with the paperwork required for a remortgage, but we are here to help reduce that workload. ​ Some of the most common remortgage 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@thisisprome.com 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. ​ Buy-to-Let advice is not regulated by the Financial Conduct Authority. 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@thisisprome.com Connect

Equity Release Equity release refers to a range of products letting you access the equity or cash tied up in your home without you having to sell. You can take the money you release as a lump sum or in instalments, so it is like using your property as a pension. The schemes are aimed at mature people, over the age of at least 55 years old. In the past there were schemes where people ended up owing more than the value of the house but this is no longer the case and the schemes are more regulated than ever. Ray Williamson has been qualified in equity release since 2022. ​ 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. Am I eligible for equity release? To be eligible for equity release: All applicants must be aged 55 years or older You must own a home worth more than £70,000 You do not need to be mortgage free, but you must pay off your remaining mortgage with the funds released. ​ However, equity release is not suitable for everyone. Talk to us today to see if it is the best option for you and your family. ​ THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. Book Advice Appointment Will I still own my home? Yes, your home is still yours. A lifetime mortgage is a loan which is secured against your home. You can choose between taking your tax-free cash in one lump sum or have it available to drawdown as and when you need it following an initial, smaller, lump sum release. With a drawdown plan, you only pay interest on the money released. The loan (and any interest) is repaid when the plan ends. That’s usually when the last remaining applicant either passes away or enters long term residential care. Does it mean my family does not get any inheritance? Not necessarily. Depending on the plan you choose, some allow for a certain percentage to be left to family members. When you speak to us, we can advise which plans best suit your goals. ​ In the past people were sold products that meant they ended up owing more money than the property was worth, however this is no longer the case. All of the Equity Release products we have access to have a ‘No Negative Equity Guarantee’ which means your family can now be assured that they will get some inheritance and not a debt. Book Advice Appointment What happens if I want to move home or have to go into care? All plans that meet the Equity Release Council’s standards allow you to transfer your plan to a new home, as long as it provides enough security. A provider may rule out age-restricted or leasehold retirement housing. ​ ​ If you need to go into permanent residential care, you will usually repay the loan by selling the property. Need more help? Phone 07899 755157 Email ray@thisisprome.com Connect

Privacy Policy PRIVACY NOTICE This is Prome Ltd. understands its obligations in regards to your fundamental right to a private life and has implemented systems and controls to ensure your rights and freedoms are protected. This is Prome Ltd. undertakes to meet its obligations under the Data Protection Act, the Privacy and Electronic Communications Regulations and the EU General Data Protection Regulation (GDPR). ​ WHAT PERSONAL DATA DO WE COLLECT? This is Prome Ltd. will collect the following data, dependent upon the financial service required: Name, address, contact telephone numbers, email address, bank statements, passport, council tax and utility bills, driving licence, benefit statements, shotgun licence, payslips, criminal record information, existing pension information, life cover information, investment information, details of assets and liabilities, health information – life policies and long term care information - annual expenditure and any other existing relevant policy. Different variations of data are required for each product so we may not be required to collect all of the data listed above for all products. HOW WE COLLECT YOUR PERSONAL DATA You directly provide This is Prome Ltd. with the personal data we collect by the following methods: Original physical copy, scanned certified email copy, scanned certified postal copy. WHO WILL PROCESS YOUR PERSONAL DATA? Access to your personal data is permitted only for those employees who require it to fulfil their responsibilities on your behalf. Your personal data will be initially processed by This is Prome Ltd. Your personal data will be further processed by On-Line Partnership Group Limited on behalf of its subsidiary company The On-Line Partnership Limited who acts as our Principal for regulatory purposes. In the event of incapacity of your adviser, your data will be shared with an authorised On-Line Partnership Group Limited locum adviser in order to carry out the responsibilities within your service agreement. All parties will process your personal data in accordance with this Privacy Notice. All parties are subject to information security training to enforce and communicate best practice when handling information. WHAT HAPPENS IF WE WANT TO PROCESS YOUR PERSONAL DATA FOR OTHER REASONS? Though there are some legal exceptions, if we wish to process your personal data for any other unrelated purpose than those we have informed you about we will notify you. WHAT ARE THE CONSEQUENCES IF YOU DO NOT PROVIDE YOUR PERSONAL DATA? Your personal data is essential to enable us to take steps at your request prior to entering into a contract or to perform a contract to which you are a party. Without this information we will not be able to proceed to provide any financial service. Processing will only occur whereby it is necessary to protect the vital interests of our client. WHAT MAKES THE PROCESSING LAWFUL? The lawful basis for the processing of your personal data as per Article 6(1) of the GDPR is: Necessary for the performance of a contract to which you are a party or in order to take steps at your request prior to entering into a contract for compliance with a legal obligation to which we are subject for the performance of a task carried out in the public interest for the purposes of the legitimate interests pursued by us. KEEPING YOUR PERSONAL DATA UP TO DATE We will record your information exactly as you provide it. You may ask us to update it at any time and we will action your request promptly and notify relevant third parties of any changes. WHAT ABOUT SENSITIVE PERSONAL DATA? Unless we are processing because it is necessary for reasons of substantial public interest, we will only process sensitive personal data, such as data concerning health, with your explicit and informed consent for specific processing activities. In such cases you will be asked to sign a separate consent form to evidence this and that you understand the purpose(s) of the processing of such data. Your consent may be withdrawn at any time. HOW WILL WE FURTHER USE YOUR PERSONAL DATA (OUR LEGITIMATE INTERESTS)? To contact you to ensure that our records of your personal information are correct and up to date To respond to questions or complaints you may have about our services To update you with changes in our terms For statistical or research analysis relating to the performance of our business or that of our principal and understanding the changing needs of our clients To review, improve and develop services we offer or handle complaints To pursue debts or unpaid fees To evidence company practices To evidence the standards and processes carried out conform to the company's ethical standards and expectations For direct marketing activities To protect the business from risks which might be introduced by an individual. You have the right to object to processing for these purposes and we shall cease unless we can show we have compelling legitimate grounds to continue. PROCESSING WHEN PERFORMING A TASK CARRIED OUT IN THE PUBLIC INTEREST We will use your personal data to protect members of the public against dishonesty, money laundering or fraudulent activities. This must necessarily be carried out without your explicit consent to ensure this function is not prejudiced. Part of this processing involves verifying your identity using third parties such as GB Group Plc or Creditsafe Business Solutions Ltd. WHAT PERSONAL DATA IS REQUIRED? We only collect data that is necessary to carry out the purposes listed above. This includes data you supply and data we receive from reference agencies. Where practical and lawful we will inform you about any of your personal data we receive from third parties that you may be unaware of. HOW SECURE WILL YOUR PERSONAL DATA BE? ​We will ensure that your data is only accessible to authorised people in our firm and will remain confidential at all times. Appropriate security measures are in place to prevent unauthorised access, alteration, disclosure, loss, damage or destruction of your information. If we have a contract with another organisation to provide us with services or a service on our behalf to process your personal information, we’ll make sure they give reassurances regarding appropriate security measures in place and only process your data in the way we’ve authorised them to. These organisations won’t be entitled to use your personal data for their own purposes. If necessary, our security teams will check them to make sure they meet the security requirements we’ve set. WILL WE SHARE YOUR PERSONAL DATA WITH ANYONE ELSE? We may share your data with: Appropriate staff such as those who carry out financial or compliance functions. Organisations that need your data because we are required to provide it by law (e.g. The FCA, ombudsman services, HMRC, etc...) Organisations that help us process your personal data to establish your personal characteristic. This is necessary if we are to provide you with the best possible advice and service Organisations that carry out credit references or identity checks such as GB Group Plc or CreditSafe Business Solutions Ltd. These organisations may keep a record of the information and may disclose the fact that a search of its records was made to its other customers for the purposes of assessing the risk of giving credit, to prevent fraud and to trace debtors. Sometimes other authorised firms with specialist advisers, such as pension specialists, who assist us in providing suitable financial advice and services. You will be provided with their details if this applies. Law enforcement agencies, courts or other public authorities if we have to, or are authorised to by law. Product providers we use to provide financial services or for direct marketing (see below). Where we or our Principal go through a business transaction, such as a merger, being acquired by another company or selling a portion of its assets, your data will, in most instances, be part of the assets transferred. ​ TRANSFERRING YOUR PERSONAL DATA OUTSIDE THE UK / EUROPEAN UNION We do not usually transfer any of your personal data outside of the UK or EU except when we need to perform pre-contractual measures (credit and identity checks) or because the checks we request are necessary for important reasons of public interest. Some companies, like Creditsafe Business Solutions Ltd, may transfer data outside of the EU to countries which do not, in the view of the EU Commission, offer an adequate level of protection. In such cases Creditsafe encrypts any data it sends to other agencies and only transfers information necessary to carry out checks. (A list of countries used to perform checks include Germany, Netherland, Belgium, France, Sweden, Norway, Finland, Luxembourg, Switzerland, Liechtenstein, Spain, USA, Estonia, Latvia, Lithuania, Poland, Slovakia, Czech Republic, Hungary, Slovenia, Bosnia, Serbia, Montenegro, Croatia, Macedonia, Kosovo, Albania, Bulgaria, Romania, Ukraine, Austria, Denmark, Moldova, Portugal, Italy, Canada, Brazil, Greenland, China, India, Australia, Russia, South Korea, Taiwan, Mexico, South Africa, New Zealand, Hong Kong, UK.) Furthermore, we will occasionally use third parties for the processing of personal data in third countries. However, we shall put in place appropriate safeguards to ensure your data is safe before such transfers. WHAT ABOUT DIRECT MARKETING? We will use your personal data now and in the future to carry out direct marketing activities as these are legitimate interests pursued by us. Sometimes this includes, with your consent, sharing data with product providers for their marketing activities. You can choose which method you’d prefer us to use to contact you (by email, telephone, SMS or post) and you have the right to object at any time to the use of your personal data for this purpose and we will cease marketing activity. Just let the person who gave you this form know about your preferences. AUTOMATED DECISION-MAKING PROCESSES We sometimes use automated processes when making decisions but you will not be subject to a decision based solely on automated processing, including profiling. TELEPHONE CALL RECORDING In line with The Telecommunications (Lawful Business Practice) (Interception of Communications) Regulations 2000 we may record incoming or outgoing telephone conversations for the following purposes: Establishing facts and evidence for business transactions Ensuring compliance with regulatory or self-regulatory practices Ascertaining and demonstrating that standards are being met Preventing or detecting crime Investigating or detecting the unauthorised use of that or any other telecommunication system Safeguarding the effective operation of the telecommunications system. HOW LONG WILL WE KEEP YOUR PERSONAL DATA FOR? The Financial Conduct Authority lays down rules relating to how long your personal data should be held for and we will keep your data to meet these requirements. We will not keep your personal data for longer than is necessary. REQUESTING A COPY OF YOUR PERSONAL DATA WE HOLD You may at any time ask for a copy of the personal data we hold about you – it is your legal right . We will provide you with a copy of any non-exempt personal data within one month unless we ask you for an extension of time. To protect your personal data, we will ask you to verify your identity before we release any data. We may refuse your request if we are unable to confirm your identity. IMPORTANT RIGHTS You have the right, on grounds relating to your situation, at any time to object to processing which is carried out as part of our legitimate interests or in the performance of a task carried out in the public interest. We will no longer process your personal data unless we can demonstrate there are compelling legitimate grounds which override your rights and freedoms or unless processing is necessary for the establishment, exercise or defence of legal claims. You have the right to object at any time to processing your personal data for marketing activities. In such a case we must stop processing for this purpose. WHAT ARE YOUR OTHER LEGAL RIGHTS? In addition to the rights above the additional following rights: Where you have given consent, you have the right to withdraw previous consent to processing your personal data at any time You have the right to request from us access to and rectification or erasure of personal data or restriction of processing concerning your data You have the right to receive data you have provided to us in a structured, commonly used and machine readable format You have the right to object You have the right to lodge a complaint with the regulator (see below). ​ HOW TO MAKE A COMPLAINT: If you have any concerns about our use of your personal information, you can make a complaint to us at info@thisisprome.com . You can also complain to the ICO if you are unhappy with how we have used your data. • By writing to: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF • By telephoning: 0303 123 1113 • By emailing: casework@ico.org.uk • By using their website: https://ico.org.uk/for-organisations/report-a-breach/

Ways to Manage Higher Monthly Mortgage Repayments No doubt you will have seen in the news that mortgage rates are increasing. This is making many people nervous about their future repayments and affordability. ​ We've created a short guide listing some ways to help you manage increased mortgage costs. ​ Like most things, it's better to get in touch to discuss your concerns rather than waiting, and hoping rates will come down. 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@thisisprome.com 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@thisisprome.com Connect

Remortgages Whether your current fixed rate is coming to an end, you are looking to swap to a better deal, or you want to release some money to consolidate debts, these are just some of the reasons why you may want to remortgage. People often get overwhelmed with the paperwork required for a remortgage, but we are here to help reduce that workload. ​ 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. Can't I just stay with my current lender? Yes, you absolutely can! This is called a Product Switch or Product Transfer. ​ Whilst you may wish to stay with your current lender to avoid some of the costs associated with remortgaging (survey and solicitor fees), you may find you can get a better overall deal by transferring to a different lender. A broker can advise what will work out best for your personal circumstances. Book Advice Appointment When should I arrange my remortgage? Generally you should look to start the remortgage process around three to six months before your current fixed deal ends. Some lenders will let you reserve a product for up to 90 days before having to complete a full application, so it may be worth speaking to a broker a little bit before this.If rates come down before your remortgage is due to complete, we can apply for another deal if time allows. There is certain paperwork that needs to be completed if you transfer to another lender and it is important to allow time to get this completed. If you don't complete on your remortgage before your current fixed deal ends, your lender will place you on their Standard Variable Rate (SVR) and your mortgage payments are likely to go up. I'm sure I didn't have to do all this paperwork last time! This may have been because you did a Product Transfer with your existing lender where not as much paperwork is required. It may seem overwhelming at first, but the paperwork is generally quite straightforward. Plus, we are here to help you every step of the way! You will need to complete: A Remortgage Questionnaire, which can be completed on line or posted A Customer Declaration, which must be printed, signed and returned by post A Digital Mortgage Deed with the Land Registry online, or a Paper Mortgage Deed if your case is not eligible for this service. An Occupiers Consent form if anybody lives at the property who is older than 17 years old and is not named on the mortgage. ​ For further guidance on remortgages, please click here. 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. What documents do I need? Sometimes lenders do not ask for all of these things, particularly if you already hold an account with them. When we arrange your remortgage we can advise on the exact documents needed. Can I remortgage early? You may wish to remortgage early if you want to lock in a cheaper deal, or if your circumstances change. Whilst there is nothing stopping you from doing this, it is worth checking if you have an Early Redemption Charge or an exit fee. Contact us and we can discuss the potential cost implications as well as the savings. Book Advice Appointment Need more help? Phone 07899 755157 Email ray@thisisprome.com 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@thisisprome.com Connect