Great question! At RML, we always start with a quick, informal phone call—no obligations. It’s a chance for us to get to know you and for you to understand how we work.

During the call, we’ll discuss your affordability, current situation, plans, and goals. As well as the in’s and out’s of the Scottish homebuying process! We’ll also explore potential steps to improve your position and help you onto the property ladder if you aren’t in an ideal position for a mortgage.

Here’s our promise: we’ll never say an outright “No”—only “not at the moment.” We’re here to find solutions that work for you. Even if you are needing a little extra help and support to get into a position for a mortgage!

Absolutely! At RML Financial Management one our primary goals is to make homeownership an option for everybody!
Including those with debts, adverse credit or even no credit history!

We will advise you from start to finish of what your options are, potential risks could be and work with you to tailor our solution to your exact situation, goals and needs!

We work with you, for you! Regardless of your credit history!

At RML Financial Management we are what’s known as ‘Whole Of Market’ Mortgage advisors.

This means that we have access to every lender in the UK! From the big names you know on the High Street… To the small and specialist firms with odd sounding names, we work with them all!

So not only can we secure you deals as cheap as a comparison site, we sometimes have access to some even better deals available to professional advisors only!

Yes of course!
Part of our goal at RML Financial Management is to not only be your mortgage advisor but your trusted guide for the whole homebuying process!

We work day and and day out with solicitors, insurers, banks, accountants and many more professionals! So we are always happy and willing to answer any and all questions!

And if we don’t know an exact answer for you, we are usually able to find it out from one of our trusted partners!
Helping to take the complexity and stress out of the important decisions!

Yes, we charge a £395 application fee for new clients and £195 for our returning clients.

We may also receive commission from the lender which helps us to remain competitively priced!

What matters most is that we work for you, not the bank. Our advice is completely independent and is never influenced by any commission we may receive!