Fillable Residential and Buy to Let Mortgages Application form (Complete FS)

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Residential and Buy to Let Mortgages Application form (Complete FS)

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1
Residential and Buy to Let Mortgages
Application form
Intermediary details
Your reference
Type of Loan Buy to Let Residential Right to Buy Help to Buy
HMO Holiday Let Multi-Unit
What level of
advice is given
Advised (All residential cases must be on an advised basis) Execution only
Contact name
Company name
Address
Postcode
Telephone number
(including
std code). Please state if not used
Fax number
Email address
Are you FCA registered?
Yes No
If yes, please conrm your
FCA registration number
Conrm your NACFB
membership number
(if applicable)
Regulatory status Direct Authorised Appointed Representative
Intermediary confirmation
I have provided all applicants with a copy of Precise Mortgages Summary Privacy Notice
The applicants and any guarantors were interviewed face to face Yes No
We require the applicant and all guarantors to provide evidence of identity at the time of application. We will endeavour to carry out these checks
electronically, however if we are unable to do this we will need physical proof of identication. If the applicant is a limited company we will also carry
out checks to verify the ownership of the limited company. Please refer to our Anti money laundering guidelines for details of documents that we will
accept and an explanation of the electronic identication search footprint.
Photocopied documents must be appropriately certied with the words ‘True copy of the original’ and clearly show the certifying person’s company
name and full name, together with a signature and date. Documents containing a photograph should also be certied with the words ‘True likeness’.
Photocopied documents must be sent with the application to Precise Mortgages, PO Box 6037, Wolverhampton WV1 9QW.
IF FOR ANY REASON WE REQUIRE FURTHER DOCUMENTATION WE WILL LET YOU KNOW.
2
Broker declaration
By submitting this Application form to you, I:
Conrm that I am acting on behalf of the applicant/guarantor(s) and have their permission to access their information. I conrm that to the best of
my knowledge and belief, the information contained in this application is true.
Conrm that I have read your ‘Anti money laundering guidelines’ (available at http://www.precisemortgages.co.uk/Documentation) and:
Original identification documents have been seen by myself;
Any associated photographs bore a good likeness to the individual;
Copies of the identification documents have been retained on my file.
Note that you may use information that you may already hold about the Applicants (including Guarantors) in assessing this application including
details about other properties which are mortgaged to you where they are the borrower or guarantor. I am aware, have made the Applicants aware
and they agree that as part of this application you may provide to me, on their behalf, details of those properties to confirm that the information you
hold about those is complete and accurate.
I have discussed the aordability of this mortgage fully and informed the applicant/guarantor(s) of the information that they need to provide to you
for you to assess aordability, and of the need to provide complete and accurate details of income. I have explained that if they do not and as a
result you are unable to assess aordability you will not be able to proceed with the mortgage application.
Conrm that I have provided the applicant(s) with a mortgage illustration and adequate explanation for the product applied for and will provide an
amended mortgage illustration and adequate explanation for any changes to the product.
Agree to your intermediary Website Terms on my and the Firm’s behalf. (The terms of business can be accessed from
http://www.precisemortgages.co.uk/TC).
Confirm that, if I send this form to you by email or have requested that you provide me with information by email I have made the Applicants aware
of this, that email is not a secure medium and the content may be intercepted before it reaches the intended recipient.
Credit Decisions and Fraud Prevention Agencies
Note that:
The personal information you collect from me will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering
and to verify the identity of the applicant and any guarantor (Applicants). If fraud is detected, I or the Applicants could be refused certain services,
finance or employment. Further details of how my and their information will be used by you and these fraud prevention agencies, and my and their
data protection rights, can be found by contacting the Data Protection Officer at Precise Mortgages.
You will also supply Applicant’s personal information to credit reference agencies (CRAs) in order to process their application and they will give
you information about Applicants, such as about their financial history. You do this to assess creditworthiness and product suitability, check their
identity, manage their account, trace and recover debts and prevent criminal activity.
You will also continue to exchange information about Applicants with CRAs on an ongoing basis, including about their settled accounts and any
debts not fully repaid on time. CRAs will share their information with other organisations. Their data will also be linked to the data of their spouse,
any joint applicants or other financial associates.
The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at www.equifax.co.uk/crain,
www.experian.co.uk/crain or www.callcredit.co.uk/crain.
The details entered must be accurate and true to the best of my knowledge. If you suspect my or the Applicant’s involvement in fraudulent activity
you will take appropriate action against me and/or the Applicant.
Privacy Notice - Customer
Note that how you, credit reference and fraud prevention agencies use customer information, is set out in more detail in your
Summary Privacy Notice. You are providing this to me as the Applicant(s) representative and in order to allow you to lawfully progress their
application, you require confirmation that I, as the Applicant(s) representative, have provided a copy of the Summary Privacy Notice to each
of the Applicants, before you can lawfully proceed with their application.
Confirm that I have provided each Applicant with a copy of the Summary Privacy Notice.
Privacy Notice - Intermediary
Note that:
More information about how you and fraud prevention agencies use information you hold about mortgage intermediaries is contained in your
Intermediary Privacy Notice.
You may contact me about products and services offered by Precise Mortgages by post, electronic mail, telephone, SMS text messaging and any
other online or interactive media. If you do not wish to receive these then please send an email to marketing@precisemortgages.co.uk with the
subject line of ‘Unsubscribe’ from the above email address.
Broker signature Date
Print name
3
Personal details - applicant 1 Personal details - applicant 2
Title
(Mr/Mrs/Miss/Ms/Dr/Other) Title
(Mr/Mrs/Miss/Ms/Dr/Other)
If specied ‘Other’ please state If specied ‘Other’ please state
First name First name
Middle name(s) Middle name(s)
Surname Surname
Date of Birth Day Month Year Date of Birth Day Month Year
Expected retirement age Expected retirement age
Nationality Nationality
Rights to reside in the UK Yes No Rights to reside in the UK Yes No
Current resident in the UK Yes No Current resident in the UK Yes No
Is the applicant’s income paid in
sterling
Yes No
Is the applicant’s income paid in
sterling
Yes No
Does the applicant pay tax only
in the UK
Y
es No
Does the applicant pay tax only
in the UK
Yes No
National Insurance number National Insurance number
Length of residency
Years Months
From birth
Length of residency
Years Months
From birth
Marital status Marital status
Home Telephone number
(including STD code)
Home Telephone number
(including STD code)
Mobile Telephone number Mobile Telephone number
Number of child dependants
(under 18)
Number of child dependants
(under 18)
Number of adult dependants
(18 and over)
Number of adult dependants
(18 and over)
Have you re-nanced in the last
12 months?
Yes No
Have you re-nanced in the last
12 months?
Yes No
If yes, please conrm the date Months Years If yes, please conrm the date Months Years
Do you currently hold a mortgage
or own a property?
Yes No
Do you currently hold a
mortgage or own a property?
Yes No
Have you ever been known
by another name?
Yes No
Have you ever been known
by another name?
Yes No
If yes, please conrm If yes, please conrm
Current Address - applicant 1 Current Address - applicant 2
Address Address
Postcode Postcode
Residential status: Owner with a mortgage
Owner without a mortgage
Privately renting
Living with parents
Living with friends/relatives
Tied accomodation
Local authority renting/Housing association
Residential status: Owner with a mortgage
Owner without a mortgage
Privately renting
Living with parents
Living with friends/relatives
Tied accomodation
Local authority renting/Housing association
Time at address Years Months Time at address Years Months
4
Previous Address - applicant 1 Previous Address - applicant 2
Please provide details of any other previous addresses that you have had in the last 3 years on the additional information sheet, which can
be found at the end of the application.
Address Address
Postcode Postcode
Residential status: Owner with a mortgage
Owner without a mortgage
Privately renting
Living with parents
Living with friends/relatives
Tied accomodation
Local authority renting/Housing association
Residential status: Owner with a mortgage
Owner without a mortgage
Privately renting
Living with parents
Living with friends/relatives
Tied accomodation
Local authority renting/Housing association
Time at address Years Months Time at address Years Months
Employment
Is the applicant(s) aware of any changes to their income or expenditure that would aect their ability to repay
the mortgage?
Yes No
If yes please give details
Employment - applicant 1 Employment - applicant 2
Employment status: Employed
Fixed term contract
Retired
Not working
Employment status Employed
Fixed term contract
Retired
Not working
Applicant 1
Have you held a mortgage in the last 6 months? Yes No
Is the mortgage to be repaid? Yes No
Total amount of all other continuing non buy
to let/non self funding mortgages
£
Lender name
Current mortgage account number
Lender address
Postcode
Telephone number
(including STD code)
Fax number (including STD code)
Current mortgage details
If you have had more than one mortgage in the past 3 years, please conrm on the additional information sheet which can be
found at the end of the application.
Applicant 2
Have you held a mortgage in the last 6 months? Yes No
Is the mortgage to be repaid? Yes No
Total amount of all other continuing non buy
to let/non self funding mortgages
£
Lender name
Current mortgage account number
Lender address
Postcode
Telephone number
(including STD code)
Fax number (including STD code)
5
Current employment - applicant 1 Current employment - applicant 2
We require a minimum of 12 months’ continuous employment history or 36 months if self-employed
Company name Company name
Address Address
Postcode Postcode
Work telephone
(including STD code)
Work telephone
(including STD code)
Job title Job title
Time with current
employment/contract
Years Months
Time with current
employment/contract
Years Months
Total basic salary £ Total basic salary £
Large town allowance / shift
allowance / mortgage subsidy /
car allowance
£
Large town allowance / shift
allowance / mortgage subsidy /
car allowance
£
Annual overtime, bonus,
commission
£
Annual overtime, bonus,
commission
£
Payroll number Payroll number
Is the applicant employed on a
zero hours contract?
Yes No
Is the applicant employed on a
zero hours contract?
Yes No
If yes: If yes:
Gross income from the
last 3 months
£
Gross income from the
last 3 months
£
Gross income from the
last 6 months
£
Gross income from the
last 6 months
£
Calculating zero hours income:
Add together the gross basic income from the last 3 and the last 6 months payslips. These gures should be entered in the relevant elds above.
If the applicant is paid weekly we will require the total of the last 13 weeks gross basic income and the last 26 weeks to be entered in the elds above.
Additional Income - applicant 1 Additional Income - applicant 2
Any other sources of income? Yes No Any other sources of income? Yes No
Source of other income Source of other income
Maintenance £ Maintenance £
Dividend £ Dividend £
Working/child tax credit £ Working/child tax credit £
Private pension £ Private pension £
State pension £ State pension £
Child benet £ Child benet £
Start date of
employment/contract
Day Month Year
Start date of
employment/contract
Day Month Year
6
Self-employed - applicant 1 Self-employed - applicant 2
Occupation Occupation
Date commenced trading Date commenced trading
Nature of business Nature of business
Sole trader
Yes No
Sole trader
Yes No
Self-employment type Partner Director Self-employment type Partner Director
Company name Company name
Address Address
Postcode Postcode
Work telephone
(including STD code)
Work telephone
(including STD code)
Date started
Month Year
Date started
Month Year
Last 2 years’ net prot
£
Year
Last 2 years’ net prot
£
Year
£
Year £
Year
Share of business
%
Share of business
%
Previous employment - applicant 1 Previous employment - applicant 2
Employment status: Employed
Fixed term contract
Retired
Not working
Employment status Employed
Fixed term contract
Retired
Not working
Company name Company name
Address Address
Postcode Postcode
Work telephone
(including STD code)
Work telephone
(including STD code)
Job title Job title
Time with current
employment/contract
Years Months
Time with current
employment/contract
Years Months
Total basic salary £ Total basic salary £
Large town allowance /
shift allowance / mortgage
subsidy / car allowance
£
Large town allowance /
shift allowance / mortgage
subsidy / car allowance
£
Annual overtime, bonus,
commission
£
Annual overtime, bonus,
commission
£
Payroll number Payroll number
7
Is the applicant employed on a
zero hours contract?
Yes No
Is the applicant employed on a
zero hours contract?
Yes No
If yes: If yes:
Gross income from the
last 3 months
£
Gross income from the
last 3 months
£
Gross income from the
last 6 months
£
Gross income from the
last 6 months
£
Calculating zero hours income:
Add together the gross basic income from the last 3 and the last 6 months payslips. These gures should be entered in the relevant elds above.
If the applicant is paid weekly we will require the total of the last 13 weeks gross basic income and the last 26 weeks to be entered in the elds above.
Second job - applicant 1 Second job - applicant 2
If you have a second job please complete
Employer/company name Employer/company name
Address Address
Postcode Postcode
Work telephone
(including std code)
Work telephone
(including std code)
Job title Job title
Payroll number Payroll number
Annual income
£
Annual income
£
Missed Payments - applicant 1 Missed Payments - applicant 2
Have you missed payments on
commitments in the last 3 years
Yes No
Have you missed payments on
commitments in the last 3 years
Yes No
If yes If yes
Commitment type
Highest number in last:
12 Months 24 months 36 months
Mortgage payment
Credit card
Secured loan
Unsecured loan
Hire purchase
Commitment type
Highest number in last:
12 Months 24 months 36 months
Mortgage payment
Credit card
Secured loan
Unsecured loan
Hire purchase
Accountant details - applicant 1 Accountant details - applicant 2
Firm name Firm name
Firm address Firm address
Postcode Postcode
Details of individual acting on your behalf (if applicable) Details of individual acting on your behalf (if applicable)
Title Title
First name First name
Surname Surname
Qualications Qualications
Telephone number
(including std code) Telephone number
(including std code)
8
Defaults - applicant 1 Defaults - applicant 2
If you have more than one amount to enter then please use the notes page additional information sheet at the end of the application.
Have you had a default
registered in the last 6 years
Yes No
Have you had a default
registered in the last 6 years
Yes No
If yes: If yes:
Date registered Day Month Year Date registered Day Month Year
Amount
£
Amount
£
Satised Yes
No Satised Yes No
Date of satisfaction Day Month Year Date of satisfaction Day Month Year
Have you had a CCJ
or decree (if Scotland) in
the last 6 years
Yes
No
Have you had a CCJ
or decree (if Scotland) in
the last 6 years
Yes
No
If yes: If yes:
Date registered Day Month Year Date registered Day Month Year
Amount
£
Amount
£
Satised Yes No Satised Yes No
Date of satisfaction Date of satisfaction
Have you ever entered into
Debt management plan (DMP)
Yes No
Have you ever entered into
Debt management plan (DMP)
Yes No
If so has it been active in the
last 3 years
Yes No
If so has it been active in the
last 3 years
Yes No
If it is now satised, please
conrm the date
Day Month Year
If it is now satised, please
conrm the date
Day Month Year
Please can you conrm the company you took the DMP out with: Please can you conrm the company you took the DMP out with:
Company name Company name
Company address Company address
Postcode Postcode
Have you ever entered
into an Individual Voluntary
Arrangement or a Protected
Trust Deed
Yes No
Have you ever entered
into an Individual Voluntary
Arrangement or a Protected
Trust Deed
Yes No
If yes: If yes:
Date registered Day Month Year Date registered Day Month Year
Amount
£
Amount
£
Satised Yes No Satised Yes No
Have you ever been made
bankrupt or sequestrated
(if Scotland)
Yes No
Have you ever been made
bankrupt or sequestrated
(if Scotland)
Yes No
If yes: If yes
Date of bankruptcy order Day Month Year Date of bankruptcy order Day Month Year
Date of bankruptcy
discharge
Day Month Year
Date of bankruptcy
discharge
Day Month Year
Have you had a property
repossessed in the last
6 years
Yes No
Have you had a property
repossessed in the last
6 years
Yes No
If yes please conrm the
date of repossession
Day Month Year
If yes please conrm the
date of repossession
Day Month Year
9
Convictions- applicant 1 Convictions - applicant 2
Have you ever been convicted
of any oence other than driving
related oences, or have any
pending court proceedings?
Yes No
Have you ever been convicted
of any oence other than driving
related oences, or have any
pending court proceedings?
Yes No
If yes If yes
Date of conviction
Day Month Year
Date of conviction
Day Month Year
Conviction type Conviction type
Sentence Sentence
Financial commitments - Mortgage/rent - applicant 1 Financial commitments - Mortgage/rent - applicant 2
Monthly residential mortgage repayment
£
Monthly residential mortgage repayment
£
Residential mortgage balance outstanding
£
Residential mortgage balance outstanding
£
Current interest rate
%
Current interest rate
%
Repayment method of residential mortgage Repayment method of residential mortgage
Open market value of residential property
£
Open market value of residential property
£
Remaining term
Years Months
Remaining term
Years Months
Mortgage to be redeemed on completion
Yes No
Mortgage to be redeemed on completion
Yes No
Total monthly payment for all unsecured
commitments with more than 12 months
left to run
£
Total monthly payment for all unsecured
commitments with more than 12 months
left to run
£
Total amount of credit to be repaid at or
following completion
£
Total amount of credit to be repaid at or
following completion
£
Ongoing monthly maintenance, alimony
or CSA payments
£
Ongoing monthly maintenance, alimony
or CSA payments
£
BTL portfolio - applicant 1 BTL portfolio - applicant 2
The following needs only to be completed where the property is buy to let
Total number of properties Total number of properties
Applicant’s share of*: Applicant’s share of*:
Estimated value of portfolio
£
Estimated value of portfolio
£
Total outstanding balance of mortgages
£
Total outstanding balance of mortgages
£
Total monthly portfolio rental income
£
Total monthly portfolio rental income
£
Total monthly portfolio mortgage payments
£
Total monthly portfolio mortgage payments
£
*Enter the share of the applicant’s entire Buy to Let portfolio which they are responsible for. For example, if they own 50% of their properties, enter the
sum of 50% of the estimated value of the properties and 50% of the outstanding mortgage balances. Enter the mortgage payment that they are respon-
sible for paying and the rental income they receive.
10
Loan details
Mortgage type Purchase Remortgage
Date of original purchase (remortgage only)
Total amount of mortgage being replaced (remortgage only) (£)
Loan amount (£) Terms (years)
Product information Product applied for: Loan amount (£)
Repayment type Capital and Interest Interest Only Part and Part
For Part and Part the Interest Only amount £
Value of repayment vehicles Full details of the repayment vehicle
(for Interest Only and Part and Part repayment types) (e.g. full property details, account providers, account numbers)
Sale of security (subject to
a minimum £150,000 equity
at the time of application)
Savings/Investments £
Sale of additional property £
Pension £
Please use the additional information section to provide further details of additional repayment vehicles.
Replace existing mortgage Home for dependent relative
Home improvements Holiday home
Business purposes Purchase of BTL
Purchase of second property Capital raising
Debt consolidation £ Car purchase £
Purchase lease £ Purchase nal share £
of property
Transfer of equity £ Other £
If other, please state
If remortgaging, what is the
purpose of the loan?
If the loan purpose is capital raising,
please provide a breakdown:
£
11
Property details
Location of property England/Wales Scotland Entry date (Applicable for Scotland only)
Do you or an “immediate family member” live in or intend to live in the property? Yes No
Purchase price/estimated property value £
Multi-Unit Yes No Number of Units
Holiday Let Yes No
If the property is a Holiday Let, please provide the URL link to the property advertisement.
The following needs only to be completed where the property is buy to let
Estimated monthly rent if buy to let £
Will the rental income be paid in sterling? Yes No
Are the assets from which the mortgage will be paid held in sterling? Yes No
Will the property be let to a family member? Yes No
Relationship of family member to you
Is the loan to fund the purchase of the property? Yes No
Do all of the applicants currently own Buy to Lets other than the property? Yes No
Has any applicant or “immediate family member” ever lived in the property? Yes No
Did any of you inherit the property? Yes No
If you answer Yes to either of the rst two questions or No to the second two questions then for your application to proceed you will be
required to agree to a declaration that will include that:
the mortgage is wholly or predominantly for the purpose of a business carried on or intended to be carried on by you;
you will not benet from the protection and remedies that would be available to you under the Mortgage Credit Directive Order 2015 (the Order);
you are aware that if you are in any doubt as to the consequences of the agreement not being regulated by the Order or Act, then you should seek
independent legal advice.
12
Property details (continued)
Property address
Postcode
Type of property Semi detached house Maisonette
Detached house Purpose built at
Terraced house Converted at
End terrace Studio at
Bungalow
Number of bedrooms
If this property is not a new build, was it previously
Yes No
unoccupied for the last 18 months?
Is this a private sale? Yes No
Are you related to the vendor? Yes No
Will the property be your main residence? Yes No
Tenure Freehold Leasehold
Please note we do not oer mortgages for commonhold properties
If a leasehold, how many years are left on lease
If ats, please state number of storeys in block
Does the applicant own 20 or more buy to
let loans with other lenders? Yes No
(Record details in ‘Additional information’ section)
Source of deposit Equity from sale £ Parental gift £
Own savings £ Inheritance £
13
A If your customer has chosen Joint Representation with a member of our Preferred or Core Conveyancer Panel, please complete the
information below.
Name of rm
Name of acting conveyancer
Address (including postcode)
B If your customer has chosen Separate Representation please complete the information below.
Please conrm the details of the conveyancer that your customer has chosen to represent them.
Name of rm
Name of acting conveyancer
Address (including postcode)
Please conrm the member of the Preferred Conveyancer Panel that your customer has chosen to represent Precise Mortgages.
Name of rm
Name of acting conveyancer
Address (including postcode)
Conveyancers
Please conrm the jurisdiction for this application below.
England and Wales Scotland
What option for legal representation has your customer chosen?
(Further details of our conveyancing options can be viewed here for buy to let mortgages and here for residential mortgages.)
1. Joint Representation – Preferred Panel 2. Joint Representation – Core Panel 3. Separate Representation
(Please go to question A) (Please go to question A) (Please go to question B)
Property assessment
Type of valuation Property Inspection Report Homebuyers
Contact for access
Contact name
Contact daytime telephone
(including std code)
Contact mobile telephone
Names of additional occupiers aged 17 or over
Name Relationship to applicant(s) Date of Birth
14
Property 1
Amount outstanding £
Lender name
Rental income £
Monthly payment £
House name
House number
Street name
District
Town or City
County
Postcode
Property 2
Amount outstanding £
Lender name
Rental income £
Monthly payment £
House name
House number
Street name
District
Town or City
County
Postcode
Fee summary
Telegraphic transfer fee £ Add to loan? Yes No
Product fee £ Add to loan? Yes No
Payment details
Contact details for payment of valuation fee:
Contact name
Telephone number(s)
(including std code)
Fees payable upfront will be taken with the valuation fee at application, however, will be refundable in the event of the application not proceeding.
Buy to let property details
If there are more than 2 additional properties, please complete an Existing property portfolio form which can be found at
www.precisemortgages.co.uk and submit with the application. Alternatively supply applicants own records.
15
If you need to enter any additional information to support this case please enter it here.
Section Number Details
Additional information
16
Credit Reference Agencies and Fraud Prevention Agencies
The personal information we have collected from you will be shared with
fraud prevention agencies who will use it to prevent fraud and money-
laundering and to verify your identity. If fraud is detected, you could be
refused certain services, nance or employment.
We will also supply your personal information to credit reference agencies
(CRAs) in order to process your application and they will give us information
about you, such as about your nancial history. We do this to assess
creditworthiness and product suitability, check your identity, manage your
account, trace and recover debts and prevent criminal activity.
We will also continue to exchange information about you with CRAs on an
ongoing basis, including about your settled accounts and any debts not fully
repaid on time. CRAs will share your information with other organisations.
Your data will also be linked to the data of your spouse, any joint applicants
or other nancial associates.
The identities of the CRAs, and the ways in which they use and share
personal information, are explained in more detail at www.equifax.co.uk/crain,
www.experian.co.uk/crain or www.callcredit.co.uk/crain
Privacy Notice
Our Summary Privacy Notice contains information on how we, credit
reference agencies and fraud prevention agencies use your personal
data and on your data protection rights. This has been provided to your
mortgage/credit intermediary on your behalf, they should have provided this
to you but if they have not please contact us and we will send you a copy.
Interpretation
In this Standard Declaration the words “You”, “Charter Court Group” and
“We” have the meanings given to them in the Privacy Notice. The meaning
of ‘You’ includes any directors or shareholders of an applicant which is a
Limited company and any guarantors.
In addition the words in bold text have the following meanings :
“Applicant” means You and if there is more than one of You, references to
“You” and “Applicant” are to each or any of You individually, as well as to
each and every one or more of You together jointly.
“Application” means Your request for a Decision in Principle and/or
Application for the Loan including the Standard Declaration, the Application
Form and any accompanying or supporting documentation that You provide
now or in the future or any information We hold about You and We provide
to You or Your mortgage intermediary in connection with the Application to
conrm its completeness and/or accuracy.
“Loan” means any Loan We may provide to You.
“Property” means the property or properties which are or are intended to
be security for the Loan.
Important – please read
When You sign this declaration, You certify that the statements and
particulars given below and all the information given in your Application
are true and complete. We will rely on these statements, particulars and
that information when making any Mortgage Oer.
General
You conrm and agree that:
1) You are aged 18 (or in the case of a second charge loan, 25) or over.
2) For limited companies:
(a) each of the signatories below who is a director is duly
authorised to make this Application on the limited company’s
behalf and has completed or fully read the contents of the
Application, and
(b) You have the power to borrow the money applied for and to
mortgage the Property.
3) The information You give in the Application, whether completed
personally by You or not, is true and accurate in all respects. If any
such information is incorrect, You will make good any loss We may
suer by acting in reliance on that information.
4) Your income is as stated in the Application and is sucient to
support the payments required to sustain the Loan requested.
5) You are aware of the monthly payments for the Loan and that You
can aord these.
6) You will supply any additional information that We may require in
order to proceed with the Application.
7) You have the agreement of any joint Applicant or third party
to disclose and use their information for the purposes of this
Application.
8) You authorise your mortgage/credit intermediary and your rst charge
lender to disclose to Us information about You and this Application
both before and after completion of the Loan.
9) You do not have any other outstanding credit facilities which are not
disclosed with this Application.
10) You have never been adjudged bankrupt or insolvent or been
sequestrated or entered into any arrangements with creditors or had
civil or criminal proceedings of any kind issued against You other
than as specied in this Application. If proceedings have been, or
are being, issued, You will supply full details to Us.
11) You have read and considered the Illustration about the particular
product You have chosen, and/or have been advised to apply for
by your mortgage/credit intermediary or other adviser. We are not
responsible for any advice given or recommendation made by an
intermediary or other adviser about the product You have chosen.
12) You will notify Us promptly of any changes which have, or are likely
to have, an eect on the continuing accuracy of the particulars in
this Application and which may aect Our willingness to provide the
Loan.
13) The information in this Application and Standard Declaration may
be relied on by Us and any other person or body in whom the benet
of all or any of the Loan, mortgage, or security is from time to time
vested.
14) Any solicitor acting for You may disclose to Us any information or
documentation that We ask for about the transaction or the Property
which is the subject of this Application and You waive any duty of
condentiality or privilege which may otherwise exist in relation to
this Loan transaction.
15) From time to time We may mortgage, sell, transfer, assign, charge
or otherwise dispose of, in whole or in part, any Loan, mortgage, or
other related security to any person or organisation (a “Disposal”)
You agree to each such Disposal that We may make and You agree
that We may do this without giving notice to You. You agree that
a Disposal for this purpose typically involves Us transferring all or
some of the rights that We have under the Loan, or the related
security to another person or organisation.
16) If You provide a personal guarantee, You agree to guarantee the
Loan applied for in the terms of our standard Deed of Guarantee.
17) We are entitled to withdraw before completion any Mortgage Oer
should You (or anyone else) falsify any information supplied in this
Application or for any other reason set out in the Mortgage Oer or
our General Mortgage Conditions. If We withdraw an oer, We can
do this immediately and without telling You, but We will notify You
about the withdrawal of Our Mortgage Oer if We reasonably can.
18) It is an oence to knowingly make a false, inaccurate or misleading
declaration when applying for a Loan.
19) If You make a false declaration, You may face criminal prosecution
and/or civil action for recovery of any losses incurred by us.
20) If the Loan is not for your benet, You must take independent legal
advice and will do so if asked to, and before You enter into any Deed
of Guarantee.
21) We may decline to make You a Mortgage Oer.
22) Our Loans are subject to valuation and status.
23) If two or more of You are making this Application, each of You is
individually and jointly responsible for all obligations in relation to the
Loan.
24) We will require You to conrm your income and We may request this
information from You.
25) We accept no responsibility for any representations made by any
employee, agent or any other person unless these are incorporated
in the Mortgage Oer or are subsequently conrmed by Us in writing.
26) If You agree to guarantee the Loan, You are aware that by giving a
guarantee, You will be held liable to Us instead of, or as well as, the
borrower or customer to the extent of the guaranteed amount. The
extent of the guarantee will include all costs and interest outstanding
on the Loan at any time as well as the loan amount.
27) You agree that if the Property is sold leaving a balance outstanding
on the Loan, You will be liable for the dierence between the sale
price of the Property and the amount outstanding or to the extent of
your guarantee.
28) It is your responsibility to ensure that You have suitable means of
repayment in place to repay the Loan in the event of Your death or at
the end of the term of the Loan.
Standard Declaration
17
Precise Mortgages is a trading name of Charter Court Financial Services Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority (Financial Services Register Firm Reference Number 494549). Registered in England and Wales with company
number 06749498. Registered oce: 2 Charter Court, Broadlands, Wolverhampton WV10 6TD.
We can provide literature in large print, Braille and audio tape. Please ask us for this leaflet in an
alternative format if you need it.
Valuation
We will obtain a valuation of the Property oered as security for our
purposes. We will obtain a valuation only to enable Us to assess the amount
of the Loan, if any, which We are prepared to make on the Property and
that valuation does not give You any rights against Us or any other person.
We will choose a valuer from Our panel of valuers and will obtain a valuation
report from the valuer for Our purposes. It is Your responsibility to obtain an
independent valuation or advice before You proceed to completion of the
Loan or the purchase of the Property. We give no warranty, representation
or assurance that the statements, conclusions and opinions, expressed or
implied, in any valuation report You obtain are accurate, valid or complete
or that the Property is free from defects or worth at least the amount of the
Loan or that (where relevant) the purchase price is reasonable.
Any valuation and assessment fee payable by You covers Our costs for
assessing the Application and value of the Property. If We accept this
fee, We are not obliged to oer or make a Loan to You.
Insurance
As a condition of your Loan, You must have adequate buildings insurance
for the Property in place at exchange of contracts or conclusion of missives
(for house purchases) and completion (for remortgages or secured loans )
and ensure that it continues at all times to be insured.
You are not required as a condition of your Loan to have any other
insurance but You might like to consider taking out insurance to cover
other circumstances that might arise, such as death, accident, illness or
unemployment. Your payments will not be protected in the event of death,
accident, sickness, unemployment or other similar circumstance unless
You arrange Your own insurance for this.
Your Loan Payments
By signing this Declaration, You agree that:
1) You will repay the Loan in accordance with the conditions specied
in your Mortgage Oer and General Mortgage Conditions.
2) We may add to your rst monthly payment, interest from the date
of completion of your Loan to the end of that month unless Your
Mortgage Oer states otherwise (not applicable where the Loan is
secured by a second charge).
3) We may take other payments by Direct Debit with Your agreement
which may be given by telephone or in writing.
Keeping you Informed
We may contact you about products or services oered by Charter Court
Financial Services Limited by post, electronic mail, telephone, SMS text
messaging and any other online or interactive media.
If You would not like Us to contact You about other products and
services by the means outlined above You should tick here.
Costs and Fees
The only fees You must pay us for this Application should be set out in
the Illustration that you have received and will be detailed in any Mortgage
Oer we provide to you. The Illustration and oer will state when they are
payable, whether or not they are refundable and whether you have chosen
to add them to the Mortgage.
Any other fees that You pay to any third party are paid not as a condition
of submitting this Application or as a condition of obtaining the Mortgage
Oer (if made).
If you have chosen to add a fee to your mortgage then you can change your
mind and pay them to us upfront -- just let us or your Mortgage Intermediary
know.
Applicant 2
Print Name
Signature
Date
Applicant 1
Print Name
Signature
Date
18
Direct Debit details
Please ll in the whole form using a ball point pen and send it to:
Precise Mortgages
PO Box 6037
Wolverhampton
WV1 9QW
Name(s) of account holder
Bank/Building Society account number
Bank sort code
Name and full postal address of your Bank or Building Society
To: The Manager Bank/Building Society
Address:
Postcode
Banks and Building Societies may not accept Direct Debit Instructions for some types of account
This guarantee should be detached and retained by the Payer.
The Direct Debit Guarantee
•
This Guarantee is oered by all Banks and Building Societies that accept instructions to pay Direct Debits
•
If there are any changes to the amount, date or frequency of your Direct Debit, Precise Mortgages will notify you
10 working days in advance of your account being debited or as otherwise agreed. If you request Precise Mortgages
to collect a payment, conrmation of the amount and date will be given to you at the time of the request.
•
If an error is made in the payment of your Direct Debit, by Precise Mortgages or your Bank and Building Society you
are entitled to a full and immediate refund of the amount paid from your Bank or Building Society.
- If you receive a refund you are not entitled to, you must pay it back when Precise Mortgages asks you to.
•
You can cancel a Direct Debit at any time by simply contacting your Bank or Building Society. Written conrmation
may be required. Please also notify us.
Instruction to your
Bank or Building
Society to pay by
Direct Debit
Servicer User Number
4 3 4 2 5 5
Reference
Instruction to your Bank or Building Society
Please pay Precise Mortgages Direct Debits from the
account detailed in this Instruction subject to the safeguards
assured by the Direct Debit Guarantee.
I understand that this Instruction may remain with
Precise Mortgages and, if so, details will be passed
electronically to my Bank/Building Society.
Signature(s)
Date
01641 (7.1)
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Residential and Buy to Let Mortgages Application form (Complete FS)

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Completed 5 April 2021

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