RML Financial Management Reviews 19

TrustScore 4.5 out of 5

4.6

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Company details

  1. Mortgage Broker
  2. Home Insurance Agency
  3. Insurance Agency

Written by the company

Welcome To RML Financial Management We can provide a FREE, No Obligation initial consultation in the comfort and privacy of your home or remotely by webcam or telephone. Appointments available throughout Scotland. Your home may be repossessed if you do not keep up repayments on your mortgage. RML Financial Management specialise in providing mortgage solutions. We work from the whole of mortgage market. Our impartial mortgage service is available at a time and location convenient to yourself. We also specialise in protection services too. This includes life insurance, income protection and key person insurance if you are a business owner. We’ve been supporting people across Scotland with financial services for over 20 years and we can help you too.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

19 reviews

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Rated 5 out of 5 stars

10/10 service, highly recommend

Could not recommend Daniel or RML Financial Management enough. As first time buyers with no clue what we were doing, Daniel made such an in depth process so easy and stress free. From start to finish, we could contact Daniel with any questions we had at any time and be sure to receive a fast response that answered more than our queries. Would highly recommend to anyone else and will be using again in future if required.

April 1, 2026
Unprompted review
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Reply from RML Financial Management

Thank you Emma much appreciated. I hope you and Max are happy and settled into your new home.

Rated 5 out of 5 stars

Daniel has been exceptional from start…

Daniel has been exceptional from start to finish. I can’t recommend him highly enough and will absolutely be recommending him to anyone I know who’s looking for a mortgage. Throughout the entire process, he was incredibly helpful, knowledgeable, and efficient. Given my circumstances and after being rejected by my own bank, I wasn’t even sure a mortgage would be possible, and without Daniel’s guidance and support I would likely have given up. He made what could have been a very stressful experience feel far more manageable, and I genuinely appreciate everything he has done!

February 18, 2026
Unprompted review
Rated 5 out of 5 stars

Daniel had been brilliant from start to…

Daniel had been brilliant from start to finish. From one call just to see if we could even get a mortgage to it actually being accepted. We can’t thank him enough for everything he had done for myself and Derek.

January 13, 2026
Unprompted review
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Reply from RML Financial Management

Thanks for your lovely words Nicole I will pass your thoughts on to Daniel. I hope you and Derek have many happy years together in your new home.

Rated 5 out of 5 stars

Complex, but not complicated

Our mortgage broker Daniel was friendly, efficient, effective, and clearly engaged in helping us get the products that were right for us. While buying a house is always complex, Daniel smoothed the way with clear information communicated in such a way as to make it understandable to two newbies. We'd be lost without you, Daniel!

November 12, 2025
Unprompted review
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Reply from RML Financial Management

Thank you Kathleen that’s much appreciated. Best wishes in your new home.

Rated 5 out of 5 stars

Amazing service - Daniel Pennington

Due to me and my partner finding a house (sooner than expected) and it not being as straightforward as we would have liked to obtain a mortgage lender willing to help us, we were recommended RML Financial Management.
Daniel got in touch with us, arranged a meeting to find out a bit about us and what we were looking for. To cut a long story short, Daniel over exceeded our expectations. He got us a mortgage with a known lender who was our first choice, with a low interest rate. (We had previously been declined by a mortgage lender that wasn’t known, so I didn’t think we stood a chance with a bank lender). Daniel provided the right amount of contact, didn’t pester us, didn’t push us for decisions, gave us the time we needed to make decisions. He also got back to us when we had questions or needed help with documents that were required. I would recommend Daniel for anyone looking to secure a mortgage.

October 13, 2025
Unprompted review
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Reply from RML Financial Management

Thanks Jade that's much appreciated.

Rated 5 out of 5 stars

Dougie was very helpful

Dougie was very helpful, patiently explained the process and walked me through multiple options so I can see what works best for us.

June 2, 2025
Unprompted review
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Reply from RML Financial Management

Thank you Cristina that’s much appreciated.

Rated 5 out of 5 stars

The A team

Couldn’t recommend RML financial management enough! They were so informative and helpful prior and during the purchase of our house and because of that it really felt stress free and exciting! No question is a silly question and I had a few! A great team!

June 2, 2025
Unprompted review
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Reply from RML Financial Management

Thanks Freya much appreciated.

Rated 5 out of 5 stars

10/10 experience!!!

The whole team at RML have been amazing with us from start to finish. We started working with them about 2 and a half years ago when we’d just started thinking about buying a house. Fast forward to now we’ve purchased our home and couldn’t have done it without the hard work from Dougie, he made everything simple and a lot less stressful, even sorting problems we had in other sectors which he didn’t have to do. We will be recommending RML to anyone and will be using them again ourselves. Wouldn’t use anyone else now.

December 14, 2024
Unprompted review
Rated 5 out of 5 stars

One very happy customer!! :)

The whole team at RML could not have been more helpful. I had a particularly challenging mortgage amount to try and borrow due to buying my ex-partner out of my house. To be honest I wasn’t even sure if I would manage to but Dougie was relentless in his search to find the lender who could do this and then again to keep chipping away at deals to find me the best rate.

I cannot thank you enough for everything!

I will definitely be recommending you and coming back again myself in the future.

October 6, 2024
Unprompted review
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Reply from RML Financial Management

Katie thanks for the great review. Please don’t hesitate to come back anytime. Bobby

Rated 5 out of 5 stars

Outstanding service

Hi Shirley, apologies that you haven't received this sooner, the past few months have been something of a whirlwind with the house move and holiday.

On behalf of my wife, myself and the kids, I'd just like to thank you for the incredible support you provided us during our journey into home ownership.

Your diligence, professionalism and empathy cannot be overstated. We truly felt supported and understood during each step of the process and had supreme confidence in your ability.

Our particular circumstances were quite unique, and as such, required patience and some creativity to ensure the purchase could be funded and adequate insurances put in place.

We truly felt like you were providing a bespoke service, tailored to our specific needs.

The process was not without it's challenges and it sometimes felt like we would overcome one obstacle only to be met with another.

Due to your empathetic, professional and resilient approach, we felt supported and reassured during every step.

Please feel free to use our feedback as a testimonial for your service and make sure Bobby is ware of what an absolute star he has on the team!

We are eternally grateful.

October 30, 2023
Unprompted review
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Reply from RML Financial Management

Thanks Chris for this on behalf of Shirley and myself it means a lot.

Rated 5 out of 5 stars

Shirley is an absolute legend !

I have sold my previous flat and have been looking for a new house and thought it would be as challenging as it was the first time around, this time the process was easy and smooth as Shirley done absolutely amazing job and went above and beyond to secure my rates working late and reassuring me when I thought I had no chance to get a house in the current market. Would recommend to everyone ! Professional, pleasant and it felt like I knew her for ages the way it was just so easy to talk to Shirley!

June 29, 2023
Unprompted review
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Reply from RML Financial Management

Thank you Adrianna for such kind words and good luck in your new home.

Rated 5 out of 5 stars

Calm, considered, expert advice

Calm, considered expert advice was provided with a personal touch. Nothing was too much trouble and I felt I had someone in my corner helping navigate the process. I would highly recommend Bobby to anyone needed a mortgage.

March 31, 2023
Unprompted review
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Reply from RML Financial Management

Thanks for the kind words Graham it was a pleasure to help you both as it will be again any time in the future.

Rated 5 out of 5 stars

Bobby Lumsden - Mortgage Renewal

Bobby has my complete confidence when it comes to sorting my mortgage. Hassle free and i know he is giving me the best deal possible. Would, and have, recommend him to anyone!

March 2, 2023
Unprompted review
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Reply from RML Financial Management

Thanks Keith much appreciated and looking forward to helping you again in future.

Rated 5 out of 5 stars

RML Financial Management

From the first point of contact, Bobby has been professional and helpful throughout the process, and communication has been excellent.
Bobby was open and transparent about his fees, and my wife and i definitely feel we received good value for money!
He is also involved in various community activities, so we were more than happy to help support him in his endeavours.
Would definitely recommend RML Financial Management.😊

February 28, 2023
Unprompted review
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Reply from RML Financial Management

Thank you so much for your kind words folks it is much appreciated, and we all look forward to being allowed to help you again whenever the need arises.

Rated 5 out of 5 stars

I always use RML Financial Management…

I always use RML Financial Management for all my mortgage needs because they are always really helpful and so efficient. I phoned Mr. Bobby Lumsden asking for help because I needed a mortgage rather urgently. He recommended me to Mr. Philip McLeod. Phil worked until late that evening of our first conversation and within 8 days, I had my mortgage sorted and approved. Just amazing! Phil has been very helpful, knows his stuff well, honest, very professional and provided me with all the information I need and options I have to make an informed decision. He is also very patient and still very helpful for all financial advise I need even after the mortgage has been sorted. Thank you Phil! Thank you, Bobby! Thank you RML Financial Management! Highly recommended company!

February 14, 2023
Unprompted review
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Reply from RML Financial Management

Thank you so much Teresa your review means a lot. Good luck with your new venture and please keep in touch for all your mortgage needs.

Rated 5 out of 5 stars

Fantastic Mortgage Advice

Recommended by my lawyer, RML Financial Management, in particular Shirley made the whole process straightforward for me. I was asked for all the required documentation and informed that if I provided it prior to the appointment, then the appointment wouldn't be as long.
Every step of the way Shirley has made things as seamless as possible, and has kept me informed at every stage. She is highly professional and provided important advice which I found invaluable.
I received a mortgage offer within four weeks of application, and would recommend Shirley and RML Financial Management to anyone looking to get a mortgage.

January 21, 2023
Unprompted review
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Reply from RML Financial Management

Thank you Irene for these kind words about Shirley and the mortgage advice she was able to provide to you. We look forward to being able to help you again anytime in the future you feel you may need advice.

Rated 5 out of 5 stars

Shirley has been a star...

When we started the process of looking for a house, we were fortunate enough to get in touch with Shirley Sim. She has been an absolute lifesaver in more ways than one. She managed to help get us into our own home with a competitive mortgage during a very difficult time in Britain. She has been patient when we have been anxious, has held our hands through the process and has coped with us through a mixture of common sense, empathy and good humour. We really could not have asked for anyone better to see us through this huge moment in our lives. We would wholeheartedly recommend her to help you through your home-hunting.

December 16, 2022
Unprompted review
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Reply from RML Financial Management

Thank you Jonathan for those lovely words. We're glad you found Shirley so helpful and look forward to helping you again if needed in future.

Rated 5 out of 5 stars

Thank you RML & Phil!

Thank you to RML for their fantastic advice. Phil was my adviser and he went above and beyond. Friendly, experienced and passionate about helping people - a truly superb adviser. Huge thanks for all the help!

October 19, 2022
Unprompted review

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