Modern Slavery Statement

Introduction

One Mortgage System (OMS) is committed to preventing modern slavery and human trafficking in all its operations and supply chains. We uphold the highest ethical standards and comply with all relevant laws and regulations, including the Modern Slavery Act 2015.

Our Policies

As part of ongoing initiatives to identify and mitigate risk, OMS has in place systems and policies covering our customers, colleagues and suppliers to ensure that we aim to:

• Identify and assess potential risk areas in our business, mortgages and supply chain;

• Monitor potential risk areas and mitigate the risk of modern slavery or human trafficking taking place in our business, mortgages or supply chain;

• Protect against funds containing proceeds of crime obtained through modern slavery or human trafficking entering our business through strict money laundering safeguards; and

• Enable whistleblowing and protect the anonymity of whistle-blowers. Our approach to modern slavery risk is to ensure that management of this inherent risk is considered across all business areas and relevant policies.

Outsourcing and Supplier policy

We have policies and procedures in place to ensure proportionate due diligence is carried out on potential and existing suppliers, appropriate supplier relationship management is carried out, and all relevant legislation and regulation is adhered to by our suppliers. Requirements are set out in accordance with the level of risk assessed by OMS in respect of each supplier and service provided.

People Policy

We undertake regular updates to, and monitoring of, health and safety guidance and policies and review of working from home practices, including through colleague surveys and health and safety assessments.

Whistleblowing Policy

Our Whistleblowing Policy and supporting procedures ensure that concerns can be raised effectively, including those relating to modern slavery and human trafficking. All concerns are investigated, and individuals can notify appropriately trained colleagues where appropriate. A person may elect to remain anonymous and their identity is therefore treated as confidential. Reports made under the Whistleblowing procedure are tracked by our Compliance team and reported through our governance structure. Our Whistleblowing Policy makes it clear that any individual raising concerns will not suffer any form of detriment or recrimination by OMS as a result and this is supported throughout the investigation procedures.

Due Diligence

We conduct thorough due diligence on our suppliers and partners, assessing their practices and ensuring compliance with our ethical standards. This includes:

• Risk assessments to identify areas vulnerable to modern slavery.

• Regular audits and inspections of our supply chain.

• Training for employees to recognise and report signs of modern slavery.

Training and Awareness

We provide regular training to our staff on the risks of modern slavery and human trafficking, ensuring they understand how to identify and report any concerns.

Continuous Improvement

We are committed to continuously improving our policies and practices to combat modern slavery. We review and update our strategies regularly to ensure they remain effective and aligned with current best practices.

Conclusion

One Mortgage System (OMS) takes a zero-tolerance approach to modern slavery and human trafficking. We are dedicated to maintaining transparency in our operations and working collaboratively with our stakeholders to uphold human rights and ethical business practices. This statement is made pursuant to section 54(1) of the Modern Slavery Act 2015 and constitutes our modern slavery and human trafficking statement for the financial year ending 31st March 2025.

This statement was approved and published on 21 May 2025.