Does rscnewhomes.com Work?

Based on the information presented on their website and their regulatory status, rscnewhomes.com appears to be a functional and established service that helps clients in the UK secure mortgages and related insurance products. In the conventional sense, “does it work” implies whether it effectively delivers its stated services to achieve its clients’ objectives. However, for a Muslim audience, “does it work” also needs to encompass whether it works ethically and permissibly. In this latter sense, it does not.

Read more about rscnewhomes.com:
rscnewhomes.com Review & First Look
rscnewhomes.com Cons
Is rscnewhomes.com Legit?
rscnewhomes.com Alternatives
rscnewhomes.com Pricing

Service Effectiveness and Client Process

The website outlines a clear process and the mechanisms through which they assist clients, suggesting an effective operational model for a conventional mortgage broker.

• Streamlined Consultation Process: They offer consultations over the phone and face-to-face, starting with an assessment of eligibility using “affordability calculators.” This indicates a structured approach to understanding client needs.
• Access to Extensive Product Range: The claim of “access to thousands of mortgage schemes. many of which are exclusive to New Build properties” implies they have the tools and relationships to find a suitable product for a wide range of client situations.
• Dedicated Account Handlers: Having “Dedicated account handlers” suggests a personalized and continuous service throughout the application process, which enhances efficiency and client satisfaction.
• Speedy Processing: Their promise of “Speedy processing” indicates an internal efficiency aimed at reducing the time from application to approval, which is a key metric for client satisfaction in the mortgage industry.
• Comprehensive Support: By advising and arranging “all types of mortgages” and offering “mortgage protection and associated insurances,” they provide a holistic service that aims to cover all financial aspects of homeownership.

Evidence of Functionality and Support

Various elements on the website point to a functioning and supportive business infrastructure.

• Active Contact Channels: Live chat, prominent phone numbers, and an appointment booking system signify active communication channels that are essential for a service-based business.
• Informative Calculators: The presence of functional “New Build Mortgage Calculators” and “Affordability Calculators” indicates tools are in place to assist clients in their initial steps, providing practical utility.
• Regulatory Compliance: Being regulated by the FCA means they adhere to stringent operational and conduct standards, which generally ensures a certain level of professionalism and service quality.
• Testimonials/Social Proof (Implied): While specific testimonials are not directly visible in the provided text, phrases like “Don’t take our word for it” imply that there might be external validation or a section for client feedback, which is typical for service effectiveness.
• Operational Hours: Clear operating hours for their Mortgage Desk and Administration Department demonstrate a structured and reliable presence.

Islamic Ethical Functionality

From an Islamic ethical standpoint, rscnewhomes.com fundamentally does not work as a permissible solution for Muslims, regardless of its conventional effectiveness. Its services are built upon practices that are forbidden.

• Fails to Meet Sharia Requirements: The primary function of facilitating interest-based mortgages directly fails to meet the Sharia requirement of avoiding riba. No amount of conventional efficiency can make an impermissible transaction permissible.
• Leads to Impermissible Transactions: Even if the process is smooth and results in a successful mortgage application, the outcome is participation in a contract that is contrary to Islamic principles.
• Lack of Ethical Alternatives: The website’s offerings do not include any Sharia-compliant alternatives, meaning it does not “work” for a Muslim seeking to adhere to their faith’s financial guidelines.
• Spiritual Detriment: From an Islamic perspective, a process that leads to a forbidden transaction, even if conventionally efficient, ultimately causes spiritual detriment rather than working for the client’s overall well-being.
• Supporting the Impermissible System: By using their services, one would be supporting a system built on interest, which Islamic teachings encourage Muslims to distance themselves from. The ultimate “work” of the service, from an Islamic lens, is to integrate individuals into this system.

rscnewhomes.com Pricing