Future Mortgages is the trading name of Future Mortgages Ltd. Registered in England and Wales. Registration No. 3300794.
Registered Office: 87 Castle Street, Reading RG1 7DX.
FM AP001 (10/04)
Unpackaged Case Submission Checklist If you are a professional mortgage adviser please note:
This mortgage will not be processed unless the following sections on pages 3 and 4 are fully completed.
Future Mortgages will only accept applications from an intermediary who is FSA registered and holds a
Please ensure that the following documentation is provided, where applicable
valid Consumer Credit Licence
Fully completed application form. Please ensure that any additional information requested
is included in Section J.
Business Description (please tick the appropriate box)
Cheque for appropriate application fee or completion of Section Li/Lii.
Each applicants’ last 3 months computerised pay slips and P60 (Status cases only).
If these are not available an employment reference will be requested.
Other Please specify
Proof of the last 12 months mortgage payments (i.e. last annual mortgage statement with
up to date bank statements). If this is not available then a lenders reference will be requested.
For Buy to Let re-mortgages proof of mortgage payments will be required for both the residential Nominated Scheme/National Account Details
and Buy to Let properties.
Certified or original proof of ID required for each applicant.
If you have a sticker
Certified bank statement or utility bill for each applicant dated within the last 3 months at current
Certified proof of residency covering 24 months if applicants are not registered on voters roll.
Proof of rent payments for the last 12 months and original/certified copy of the Section 125
if application is for a Right to Buy Mortgage.
Discharge certificate if previously bankrupt.
Foreign Nationals only – if applicant has a right to reside, confirmation is required. Future Mortgages Use Only
Please provide the original documentation from the Home Office or original passport.
Date Received Consultant Code
Proof of deposit – normally required in cases where the deposit is in excess of £10,000.
This is to comply with Money Laundering regulations. Applicants Name M.I.P.S ID Number
Notes to Application Form Please send the completed form to:
1. Please use black ink and block capitals throughout Future Mortgages Ltd
2. Please ensure you answer all questions, if a question is not applicable write in N/A 6 Admiral Way
3. Return the application form together with: Doxford International Business Park
– a cheque made payable to Future Mortgages Ltd to cover the application/booking fee, or if paying by credit/debit card, Sunderland
please ensure Li/Lii is completed and signed where applicable SR3 3XW
4. Remember to complete the Direct Debit section and sign the declaration DX 715946 Sunderland-Doxford
5. If you wish to discuss any aspect of the application, either before or during processing, please telephone on;
08457 388 873 or e-mail firstname.lastname@example.org Disability Discrimination Act
6. This application form may be used for Regulated Mortgage Contracts and Non Regulated Buy To Lets In accordance with the Disability Discrimination Act 1995 we are able to provide upon request a TextPhone facility, audio tapes,
large print documentation and Braille documentation.
Please contact us on 0800 015 6653 if you require any of these services to be provided so that we can communicate in an appropriate manner.
Details of Intermediary – To be completed in all cases Section A – Details of Applicants
First Applicant Second Applicant
Company Name A1 Title Mr Mrs Miss Mr Mrs Miss
Other (specify) Other (specify)
Contact Name A2 Surname
A3 Maiden name
A4 First names
Company Address A5 Date of Birth
A6 Status Married Single Separated Married Single Separated
Widowed Divorced Widowed Divorced
A7 Total number of dependents
Postcode: in household
A8 Relationship to joint
applicant (if applicable)
Phone No: Fax No:
A9 Are you a UK tax payer?
(If no give details in Section J)
Yes No Yes No
FSA Number/AR Reference: CCL No:
A10 National Insurance No:
E-mail address: A11 Present address
(If you own more than one
residential property please
give details in Section J)
Tenure of previous address Owner Tenant With relatives Owner Tenant With relatives
Details of Packager (where applicable) Home Home
A12 Telephone no.
A13 How long have you been at
years months years months
your present address?
A14 If less than 3 years at your
present address give
FSA No. (where applicable) (continue in Section J if necessary) Postcode Postcode
Tenure of previous address Owner Tenant With relatives Owner Tenant With relatives
A15 How long were you at your
years months years months
Details of National Accounts – To be completed where intermediary is associated with a National Account (continue in Section J if necessary)
If your correspondence address is other than your present address or the property to be mortgaged please
provide details and reason in the Additional Information section
A16 Have you been party to a
mortgage or secured loan Yes No Yes No
Company Name within the past 2 years?
(if yes please complete section C)
A17 Are you a first time buyer? Yes No Yes No
Contact Name A18 Have you had any County Yes No (Decree in Scotland) Yes No (Decree in Scotland)
registered in your name?*
FSA No. (where applicable) A19 Have you at any time in the Yes No Yes No
last 2 years been in arrears
with any mortgage or
secured loan payments?*
A20 Have you ever been Yes No If Yes, Date of Discharge Yes No If Yes, Date of Discharge
Intermediary use only (KFI Information – RMCs only) insolvent or bankrupt?*
A21 Have you ever had a
Yes No If Yes, Date of Repossession Yes No If Yes, Date of Repossession
I. KFI issuer (systems)
A22 Have you ever entered into
Yes No Yes No
an Individual Voluntary
II. KFI Reference Number Arrangement?*
A23 Are you party to any other
Yes No Yes No
III. Level of Service Advice Information Only mortgage or do you own any
A24 Have the DSS paid all or
Yes No Yes No
IV. I confirm that an IDD has been issued part of your mortgage/rent
payments in the last *If you have answered YES to any questions from A16 to A23 *If you have answered YES to any questions from A16 to A23
12 months?* please provide details in Section J please provide details in Section J
All applicants (including those using Self Declaration of Income) must complete Section B as appropriate
Section Bii – Income Details (self-employed) continued
Section Bi – Income Details (Employees) Partners or Controlling Directors holding 25% or more of Company Issued Shares, Schedule D Taxpayers and Sole Traders
First Applicant Second Applicant First Applicant Second Applicant
B1 Basic salary p.a. B23 Name of accountant
B2 Regular overtime/bonus/ £ £
B24 Qualifications of
commission p.a. accountant
B3 Other income p.a. £ £
B25 Address of accountant
(If the accountant is not
B4 Source of other income chartered or certified we
(Please give full details will require additional
in Section J) validation of income) Postcode Postcode
B5 Occupation/job title Tel No. Fax No. Tel No. Fax No.
B6 Status Permanent Temporary Contract Permanent Temporary Contract
B7 Are you on probation?
Section Biii – Income Details (self-certification)
Yes No Expiry date Yes No Expiry date
If you are self certifying any part of your income, please complete the following, in addition to section Bi or Bii
B8 Employer’s name
B9 Employer’s address First Applicant Second Applicant
B26 Amount of income to
B10 Employer’s telephone &
Tel Fax Tel Fax
fax number Signature Signature
B11 Length of service Date Date
years months years months
(If less than 3 years complete B13)
I confirm that this is a true reflection of my income. I confirm that this is a true reflection of my income.
B12 Payroll/personnel/ (Please note it is an offence to knowingly enter a false statement about (Please note it is an offence to knowingly enter a false statement about
employee no: your level of of income, the penalty for which may include a prison your level of of income, the penalty for which may include a prison
B13 Previous employer’s
name and address
Section C – Details of Existing Loans and Commitments (including Mortgages)
Please give details of all your loans. This should include any existing mortgages. Please continue in the Additional Information Section J.
Postcode Postcode Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
B14 Length of service years months years months Is it a loan
1st App Purpose Monthly Balance To be repaid
(If the above employment details Start Date Lender Term secured against
2nd App of Loan Payment Outstanding Yes/No
do not equate to 3 years service, a property?
please continue in section J) Section Bii – Income Details (self-employed)
Partners or Controlling Directors holding 25% or more of Company Issued Shares, Schedule D Taxpayers and Sole Traders
First Applicant Second Applicant
B15 Name of firm/company
B16 Address of firm/company
years months years months Total
B17 How long has the business
years months years months C1 For any secured loans:
B18 How long have you (Please complete the following First Applicant Second Applicant
been involved with and continue in Section J if
the business? necessary)
Existing Lender’s name
B19 Company registration no. and address details
(if applicable) (minimum 12 months history
B20 Nature or type of business Postcode Postcode
B21 % of issued shares held
Tel. no. Tel. no.
(if applicable) Account No.
Year: £ Year: £
B22 Net profit for the last
3 years Address of Property
Year: £ Year: £
(If different from current
Year: £ Year: £
Section D – Details of Mortgage Required Section D – Details of Mortgage Required (continued)
D1 Mortgage product Description of Fee Fee Payable at which stage Payable to Whom Refundable If Yes Estimated?
selected D15 Please indicate any (Tick applicable stage)
Amount £ Y/N to what Y/N
additional fees (not App. Offer Comp. extent
D2 Amount of loan required payable to Future
Mortgages Ltd) which may
(If Part Interest Only/Part £ £ be payable in connection
Capital Repayment please Interest Only Capital Repayment with this mortgage (You
identify split) may have to pay other
What is the interest rate % taxes or costs in addition
of the loan? to any fees shown here)
What type of interest rate LIBOR Fixed Discounted Stepped Other
has been agreed? Section E – Property to be Mortgaged
D3 Repayment method Capital Repayment Interest Only* Part Capital Repayment/Part Interest Only E1 Address of property to be
*If you have chosen to repay some or the entire mortgage on an Interest Only basis, you will need to ensure that you have a mortgaged
separate savings plan in place to build up a lump sum to repay the amount borrowed on this basis. Remember you can seek
independent legal and financial advice if you are in doubt about this mortgage. Postcode
Company Name yrs £
If Interest Only or Part E2 Tenure Freehold Leasehold Feudal (Scotland only) Unexpired term (if leasehold) Ground rent (if leasehold)
Interest please complete
the following section E3 Type Detached Semi Terraced End of Terrace Bungalow Flat Maisonette
Repayment Vehicles PEP ISA Endowment Pension Unit Trust Investments
regarding your chosen
Repayment Vehicle if Policy Holder 1 Policy Holder 2 E4 If flat/maisonette Purpose Built Conversion
Policy/Reference Number Monthly Subscription Amount £ No. of floors in block
Subscription Frequency Term (if applicable) Is it above commercial Yes No
Start date End date (if applicable)
E5 Construction of Brick Other – specify
If multiple please add in Additional Information Section external walls
E6 Construction of roof Tiles Other – specify
D4 Is/was this a Right to Buy? Yes No Date of purchase
(If yes, please provide Name E7 No. of rooms Bedrooms Living Rooms Kitchens Bathrooms W.C.s
Local Authority details)
Address E8 Year of construction New build* If less than 10 years old does it have? NHBC Architect’s certificate
(If yes, a £50 re-inspection fee will be charged)
£ E9 Name and address of
D5 Amount of additional estate agent/contact
capital being raised Postcode
D6 Purpose of Remortgage
No extra money raised Extra money raised for home improvements E10 Name of vendor
Extra money raised for debt consolidation Extra money raised for home improvements and debt consolidation Telephone No.
£ E11 Is there any relationship
D7 Purchase price
(business, family, Yes No Nature of relationship
£ personal) between you
D8 Value of deposit
D9 Source of deposit and the vendor or you
(If not from equity and the introducer?
or own savings) If yes, are you benefiting Yes No
from any special
D10 Term (years) considerations/
D11 Are other funds being deed of gift
borrowed to assist in the Yes No E12 Are improvements to be Yes No
purchase of this made?**
£ E13 Will you let the property Yes No
If Yes, give amount to a family member? *A family member is defined as any of the following: Your spouse, parents, grandparents, siblings, children, grandchildren,
£ (*For the definition of common-law partner (can be the same sex).
Monthly payment family member please
Name of Lender
E14 If you are letting to a Yes No
D12 Will this loan/money be Yes No family member, will they
secured by way of a be residing in at least
second charge on our 40% of the property
security? (including any garden or
D13 Are you going to sell other land used within the
your present residential Yes No property?
property at or before E15 Will any part of the Yes No
completion of any new Future property be used for
Mortgages loan? business purposes?**
If Yes, sale price of property £ E16 Will the property be used Yes No
If No, please state by you as your permanent
intended usage primary residence?
£ If No, please clarify
D14 Estimated value of
current property **If you have answered YES to any question from E11 to E15 please provide details in the Additional Information Section J
Section F – Solicitors Details Section H – Application for Future Guard – Protecting your monthly payment
in the event of accident, illness and unemployment
F1 Would you like to use a Yes No
Future Mortgages Panel
Future Mortgages can arrange a competitive quotation if you do not already have a solicitor All insurances are optional and not a condition or requirement of any mortgage agreement. Your decision regarding the
solicitor? H1 Application for
Future Guard purchase of any insurance from Future Mortgages will not affect our credit decision process.
If no, give details of PLEASE TICK EITHER BOX A OR BOX B
your own solicitor
Name of firm A I wish to protect my monthly mortgage payments and am applying for the Future Guard mortgage payment
Name of solicitor acting
B I do not wish to apply for Future Guard and am aware that my home may be repossessed if I do not
Address keep up repayments on my mortgage.
If you ticked Box A, please now complete the Personal Details box and then sign and date the Declaration.
Telephone No. Fax No.
DX no. Number of partners
Please Note The solicitors nominated must have a minimum of 2 partners, sole practitioners may not be instructed to act for Future Mortgages First Applicant Second Applicant (for joint cover applications only)
Section G – Buildings/Contents Insurance Forename(s): Forename(s):
In all cases, buildings insurance must be maintained under a Household Buildings Policy for a sum not less than that specified
by our valuer. The property may be insured through Future Mortgages’ policy underwritten by certain Underwriters at Lloyd’s Surname Surname
of London and other insurers with the sums insured based upon an estimate of current rebuilding costs and increased in line
with the House Rebuilding Cost Index. You should always ensure, however, that the sum is an accurate reflection of the cost of
rebuilding your home. Important notes
The Future Mortgages’ Combined Buildings and Contents Policy is a simple, cost effective policy designed to cover your 1. Where cover is being requested in joint names the 1st applicant must be the 1st named person on the Mortgage
buildings and contents against a variety of risks available under a ‘no proposal’ arrangement. Full details of the scope of
cover and monthly premium accounts will be forwarded to you with the mortgage offer. Purchasers will also have the Agreement and the 2nd applicant must be the 2nd named person on the Mortgage Agreement. The 1st applicant must
benefit of a free period of buildings cover from exchange of contracts (conclusion of missives in Scotland) to completion. also be the main income earner of the two.
If the property is leasehold and the lease requires cover through an insurance company specified by the landlord, then The first applicant will be covered for 100% of the monthly benefit and the 2nd applicant will be covered for 50% of the
cover must be effected in accordance with the lease. In all cases where the property will be insured other than through the monthly benefit.
Future Mortgages’ Policy Scheme, a copy of the Insurance Policy schedule must be produced and the insurance must
comply with the criteria set out in the mortgage general and special conditions. 2. Each person applying cannot be covered for a monthly amount that is more than 75% of their normal gross monthly
earned income (excluding bonuses and overtime). The maximum monthly benefit payable is £1,500.
G1 If you wish Future Combined Buildings and Contents Buildings Only Contents Only Where your application is being referred to another lender, that lender’s insurance products will be offered if you
Mortgages to arrange (not available on Buy to Let) (leasehold only) tick the box
insurance, please tick Security Discounts
the box to indicate the As part of Future Mortgages’ Policy, you may be entitled to an additional discount to monthly premium amounts in certain
cover you require circumstances. Therefore, please tick the appropriate boxes: Declaration (this must be signed by each applicant)
Deadlocked & key operated window locks Neighbourhood watch NACOSS alarm
I/We declare that I/We have read and understood the leaflet explaining Future Guard and that I/We am/are eligible for
Policyholder aged 50 years or over Voluntary increased policy excess to £100 cover as described. I/We am/are aware that cover is not provided for medical conditions already existing or for
unemployment known to me/us to be impending at the time of this application.
Voluntary increased policy excess to £150 Voluntary increased policy excess to £200
THIS SECTION TO BE COMPLETED BY ALL APPLICANTS, AS THE ANSWERS ARE REQUIRED FOR MORTGAGE UNDERWRITING First Applicant Second Applicant (if applicable)
Disclosure of Material Facts
As with all contracts of insurance, the insurers require you to disclose any facts which an insurer would regard as likely to
influence the assessment and acceptance of an insurance proposal. Therefore, if you consider that there are any facts which
are, or might be, material you should enclose a note with your application giving full details. Material information would Signature Signature
include any special features of the property’s insurance, construction or occupancy, or details about any member of your
household which makes losses more likely to occur, or more serious if they did. Failure to disclose all material information Date Date
may result in your being quoted the wrong terms, a claim being rejected or reduced or the policy being invalid. You should
keep a record (including copies of letters) of all information supplied for the purpose of entering into the insurance contract.
Please answer the following questions to the best of your knowledge and belief: Section I – Important Future Communication Information
G2 Have you or any persons a. Been convicted or charged with any offence other than a driving offence? Yes No As a valued customer, we may, from time to time, communicate to you preferential product and service special offers,
normally resident with
b. Had any Home or Personal Insurance declined, cancelled or had special terms imposed? Yes No which we feel will be of benefit to you. To ensure you receive this information please tick the box/boxes below of accepted
communication channels you would like us to use.
c. Sustained any loss, damage or liability during the past 5 years whether insured or not? Yes No Post Telephone Fax* SMS Text Messaging* Email*
*Please note these services are currently unavailable. If you wish to receive preferential product and service information
G3 Will the property be Yes No prior to this service being made available, please also tick the box against the post or telephone options. Once these
left unoccupied for any If you have answered ‘YES’ to questions G2 & G3 or you are in any doubt whether facts are material, please provide full services are available, we will begin to communicate through these channels.
reason for more than 30 details in the Additional Information section. The answers you have given to these questions will usually provide sufficient By signing this I/We expressly consent to allow Future Mortgages Ltd, CitiFinancial Europe plc, Citibank International plc,
consecutive days? information to enable us to consider the proposal. However, because no list of questions can be exhaustive, please consider CitiSolutions Financial (UK) Limited, CitiInsurance Life Assurance Company Limited and CitiInsurance General Insurance
carefully whether there is any other material information known to you which could influence the acceptance and Company Limited to contact us regarding information about their products by the method(s) indicated.
assessment of the risk. The cover will be issued on the basis of the information provided by you on your behalf. Please
inform the insurer immediately of any changes that affect what you have disclosed above, e.g. changes in the use of the
property, or if an extension is added to the property address, etc. First Applicant Second Applicant (if applicable)
A summary of cover, or a full statement of cover with full Policy Wording, is available on request. Insurers and agents share
information with each other to prevent fraudulent claims and to assess whether to offer insurance, including the terms, via
the Claims and Underwriting Exchange Register, operated by Insurance Database Services Ltd. A list of participants is Signature Signature
available on request. In dealing with your application this register may be searched. In the event of a claim, the information
you supply on this form and the claim form, together with other information relating to the claim, will be put on the register Date Date
and made available to participants.
The parties to this contract are free to choose the law applicable to it. Unless specifically agreed to the contrary with
insurers, this insurance shall be subject to English Law.
Where your application is being referred to another lender, that lender’s insurance products will be offered if you
tick the box
The purchase of any insurances offered by Future Mortgages is optional and not a condition or requirement of any loan agreement. Your decision regarding the
10 purchase of insurances will not affect our credit decision process.
Section J – Additional Information Section K – Declarations
I/We agree and declare that: 9. I/We* understand that Future Mortgages Ltd will use a credit scoring or
Question No. 1. The details contained in this application are true and accurate and I/We* other automated decision making system when assessing My/Our*
shall notify Future Mortgages Ltd if, before any loan is made, the application.
information is found to be incorrect or changes. I/We* understand that if
this application is successful the details in it form part of the terms of the 10. Future Mortgages Ltd may process all the information which I/We* or
mortgage. My/Our/Your* agents provide to Future Mortgages Ltd for any purpose
connected with the proposed entry by Me/Us* into a mortgage, and (if
2. Future Mortgages Ltd is authorised to instruct qualified valuers to carry out applicable) a related insurance policy, with Future Mortgages Ltd, and with
a valuation of the property upon receipt of this application at its cost. The the administration of any such mortgage and (if applicable) related
valuation report is to be obtained solely for the benefit of Future Mortgages insurance policy that I/We* enter into. Such processing shall include
Ltd, to enable it to assess the amount of the mortgage loan (if any) it is without limitation entering the information onto computer systems, making
prepared to make on the security of the property referred to in the enquiries, taking up references, credit assessment, dealing with any
application. I/We* accept that the valuation report confers no rights on intermediary involved in arranging My/Our* mortgage, carrying out any
Me/Us* whether against Future Mortgages Ltd or other persons on the internal administration, any ancillary purposes and any other purposes
basis of negligence or whatsoever in respect of the value or state or which Future Mortgages Ltd has notified the Office of the Information
condition of the property. Commissioner, that it may make of such information. In so doing, Future
Mortgages Ltd shall be entitled to disclose the information to any of its
I/We* understand that Future Mortgages Ltd is not the agent of the valuers employees, third party contractors who carry out any functions on Future
and that neither Future Mortgages Ltd nor the valuers will represent or give Mortgages Ltd’s behalf, solicitors, valuers, other professionals, credit
any assurance to Me/Us* that the statements, conclusions and opinions reference agencies, referees and other companies in the same group as
expressed or implied in the report and mortgage valuation are accurate or Future Mortgages Ltd, or any proposed assignee or transferee of any
valid and that the valuation report will be supplied without any acceptance mortgage offer or mortgage.
of responsibility on their part to Me/Us*.
11. To prevent and detect fraud, or to assist in verifying your identity, we may
I/We* accept that I/We* must for My/Our* protection, obtain independent make searches of Group records and will check your details with fraud
advice from a surveyor or other professional person as to the condition and prevention agencies who will supply us with information. We may also pass
value of the property. information to financial and other organisations involved in fraud
prevention to protect ourselves and our customers from theft and fraud. If
3. Future Mortgages Ltd is entitled to make such arrangements as it thinks fit you give us false or inaccurate information and we suspect fraud, we will
with third parties to protect itself against any failure by Me/Us* to pay the record this. We, members of the Group and other organisations may use
mortgage loan, and that any such arrangements will be for the benefit of these records to:
Future Mortgages Ltd and not Me/Us*. I/We* further acknowledge that • Help make decisions about credit and credit related services, for you and
Future Mortgages Ltd may pass such third parties any information members of your household;
contained in this application together with any relevant supporting • Help make decisions on motor, household, credit, life and other insurance
documentation. proposals and insurance claims, for you and members of your household;
• Trace debtors, recover debt, prevent fraud and to manage your accounts
4. I/We* consent to Future Mortgages Ltd and its successors in title and or insurance policies;
assigns whether at law or in equity and whether as a whole or in part and • Check your identity to prevent money laundering, unless you furnish us
whether by absolute assignment or by way of security only at any time after with other satisfactory proof of identity
a mortgage offer or mortgage have been made:
i) Transferring, assigning or otherwise disposing of the benefits of such If you want to receive details of those fraud prevention agencies from
mortgage offer, or mortgage and other related security: whom we obtain and with whom we record information about you, please
ii) entering into any contractual arrangements relating to the funding of contact The Data Protection Officer, Future Mortgages, 6 Admiral Way,
such mortgage offer, or mortgage with any person; Doxford International Business Park, Sunderland SR3 3XW. You have a legal
iii) Supplying any information contained in this application and any right to these details.
supporting documentation which may hereafter be provided or any other
information relating to the property, any mortgage offer, the mortgage, the 12. I/We* accept that in considering My/Our* application for credit and any
related security for the mortgage or the history and conduct of My/Our* relevant insurance Future Mortgages Ltd will search My/Our* record at
account to any interested or potentially interested person, who may rely credit reference agencies who will supply Future Mortgages Ltd with credit
upon the truth and accuracy of the information contained in this information, as well as information from the electoral register. The credit
application. reference agencies will add to My/Our* records details of the search
whether or not My/Our* application proceeds. Credit searches, other
I/We* confirm that references in this application to Future Mortgages Ltd information which is provided to Future Mortgages Ltd and/or the credit
include its successors in title and assigns whether at law or in equity and reference agencies about Me/Us* and those whom I/We* are linked
whether as to whole or to part. financially may be used by Future Mortgages Ltd and other companies if
credit decisions are made about Me/Us* or other members of My/Our*
5. Future Mortgages Ltd may forward statements of account, or other such household. Future Mortgages Ltd search will be seen by other organisations
communication to one or all of the borrowers and not necessarily to each which make credit searches.
For these purposes Future Mortgages Ltd, or agencies, may make further
6. If interest payments (or other payments) are collected from an account searches although these will be added to My/Our* record, they will not be
which is not in the names of all borrowers, the payment will be made for and shared with others.
on behalf of all joint borrowers named on this application form.
13. Information held about Me/Us* by the credit reference agencies may
7. My/Our* Solicitor may disclose to Future Mortgages Ltd any information already be linked to records relating to one or more of My/Our* partners.
relevant to their decision to lend and I/We* waive any right to claim For the purposes of this application I/We* may be treated as financially
Solicitor/Client confidentiality or legal privilege in respect of such linked and My/Our* application will be assessed with reference to any
information. “associated” records. If I am a joint applicant or if I have told Future
Mortgages Ltd of some other financial association with another person, I
8. Future Mortgages Ltd may contact My/Our* employers (past and present), must be sure that I am entitled to:
bankers, other lenders (past and present), accountants, landlords or other – disclose information about my joint applicant and anyone referred to by me;
person necessary to verify the information given by Me/Us* in this – authorise Future Mortgages Ltd to search, link or record information at
application. credit reference agencies about me and anyone referred to by me. An
“association” between joint applicants and between Me/Us* and anyone
I/We* tell Future Mortgages Ltd is My/Our* financial partner will be created
at the credit reference agencies. This will link My/Our* financial records,
Section K – Declarations continued Section K – Declarations continued
each of which will be taken into account in all future applications by either Important use of your information
myself of both of us. This will continue until one of us successfully files a A. You have the right to know how we will use your personal information. F. We or other companies of our group and other reputable organisations
disassociation at the credit reference agencies.
It is important that you should read this notice, to ensure you are fully chosen by us will use, analyse and assess your information to maintain
14. Where I/We* borrow from Future Mortgages Ltd, they may give details of aware of how your personal information is being used and your rights in and develop our and their relationships with you. The types of activity
My/Our* account and how I/We* manage it to credit reference agencies. that regard. that this will include are:
If I/We* borrow and do not repay in full and on time, Future Mortgages Ltd i) YOU HAVE A RIGHT TO RECEIVE A COPY OF THE INFORMATION WE HOLD i) considering any further applications made by you and helping us make
may tell credit reference agencies who will record the outstanding debt. ABOUT YOU IF YOU APPLY TO US IN WRITING: DATA PROTECTION OFFICER, credit-related decisions about you and your account with us;
FUTURE MORTGAGES, 6 ADMIRAL WAY, DOXFORD INTERNATIONAL BUSINESS
ii) operating and administering the products and services we and/or
15. Future Mortgages Ltd will also add to My/Our* record with the credit PARK, SUNDERLAND, SR3 3XW. A FEE WILL BE PAYABLE
reference agencies details of My/Our* agreement with Future Mortgages they supply;
ii) If you do not wish to receive further information please tick where
Ltd the payments I/We* make under it and any default or failure to keep to iii) servicing your relationships with other companies of our group and
its terms and any change of address where a payment is overdue. It is applicable, in the relevant section of the application form, Section I.
important that I/We* give Future Mortgages Ltd accurate information. B. We value your privacy and have a policy (“our Privacy Promise”) to hold
iv) helping us and them to identify products and services which may be
in confidence, information about you and your account. However, in
16. Future Mortgages Ltd funds borrowers using a number of different companies of interest to you (unless you have asked us not to); and
certain circumstances, we may disclose or transfer this information, for
including companies outside of the Future Mortgages group. Which particular v) helping us and them to understand and develop our and their
Future Mortgages company makes the advance, will depend on a decision example:
businesses, including new and innovative products and services.
made by Future Mortgages Ltd at the time the mortgage offer is made or, in i) if permitted by these Terms and Conditions or your original application
the case of a company outside its group, it will depend on the particular ii) if required to do so by any court order or similar process
product you have chosen. This application form and the declarations contained G. For operational reasons in order to carry out the activities listed in (F)
iii) If required or permitted to do so by law or by the rules of any
in it will therefore be relied upon by Future Mortgages Ltd, its subsidiary above we may:
regulatory body of which we are a member or whose rules or provisions
companies or other companies within the same group as Future Mortgages i) link your information between your account and other products and
Ltd and companies outside its group and all prospective successors in title apply to such as, but not limited to, the Financial Services Authority and
services you maintain with us; and
and assigns (whether legal or equitable and whether by absolute assignment Office of Fair Trading.
ii) link or use information we receive from third parties about you and
or by way of security only). Any reference within this Application Form and iv) to the USA and other countries (where necessary) outside the
Declarations to Future Mortgages Ltd shall refer to each such company and, the conduct of your account, and also your information with information
European Union to administer and service your application and or your
if applicable any insurance company providing Future Mortgages Ltd or the about others with whom you have a financial association. Unless you
applicant(s) with any insurance relating to the mortgage loan, the account. You understand that data protection laws are not as
write to tell us not to, we may use the links or information received from
applicants(s) or the property so that, where relevant, references to the comprehensive in the USA and other countries as in the European
third parties for marketing purposes.
Future Mortgages Ltd also include such insurance companies. Union. Please telephone 08457 388873 if you wish to receive details of
those countries where your data may be transferred to be processed.
17. I/We* understand that my loan will be subject to various fees which may be H. As our means of delivering products and services evolve, the way in
added to the agreed loan (the Gross Advance) and deducted at completion
However, where such a disclosure takes place we will ensure a contract is
which we look at, record and use your information, may develop. In most
prior to the balance of monies (the Net Advance) being paid to my solicitor. in place to ensure the level of protection for your data is maintained.
cases these developments will result from improvements in technology.
Whilst these fees may vary from time to time. I/We* acknowledge that v) if we are under a public duty to disclose;
details of fees that apply to My/Our* loan can be or have been confirmed to Where we believe the developments may not be obvious to you, we may
vi) if it is in our own interests.
Me/Us* prior to submission and by submitting this application to Future give you notice of them. However, once we have notified you of any
vii) at your request or with your consent.
Mortgages Ltd I/We accept charging of these fees. developments and your account is being maintained for at least 45 days,
we will accept that you will be consenting to that development.
18. It is important to read and understand this declaration and the sheet entitled C. We may disclose or transfer details of your relationship with us to other
Use of Your Information. By signing this application I/We* agree that Future organisations within our group for their confidential and internal use.
Mortgages Ltd can use My/Our* information this way. I. Any information that we may receive from third parties including but not
We may also disclose such details to organisations within our group or
limited to details of your transactions, including the name of the recipient
19. I/We* confirm that we have received a Key Facts Illustration in respect of the other third parties where it is reasonably necessary to do so for
of the transaction and the methods used for that transaction made in
regulated mortgage contract I/We* have applied for (for RMC’s only). processing your details with us, or them, or to enable them to provide
relation to your account, may be kept by and used by us for analysis in
services to you.
*Please delete as appropriate order to provide you with better services, or to mail or call you with any
products and services that may be of interest to you. You have a right at
D. If your account is closed for any reason, we will hold your information
any time to stop us from contacting you, as set out in (A) above.
about you and your account for no longer than is absolutely necessary.
J. We may undertake further searches at the Credit Reference Agencies to
E. We may transfer your personal data to our parent company, Citigroup
manage your account with us, to make a decision about your credit limit
Inc. (or any other parent as a result of merger or amalgamation or
and if we wish to make other products, services or benefits available to you.
corporate restructure) and any other Citigroup organisation in Europe
or the USA, for processing.
First Applicant Second Applicant
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Section Li – Payment of Fees by Credit/Debit Card Section M – Instructions to your Bank/Building Society to pay Direct Debits
As payment is required with the application, this method may help to speed the process
If you would like to pay the fee
shown below by credit/debit card, Application Fee Booking Fee (if applicable)
please tick the box and complete
the following details
Method of Payment MasterCard Visa Delta Switch Amex Cheque
I authorise you to debit my £
account with the amount of Please fill in the whole form, including official use box, using Instruction to your Bank or Building Society
My card number is
a ball point pen and send it to: to pay by Direct Debit
(The last 3 digits on the reverse of Originator’s Identification Number
your card on the signature strip) The Manager
Issue number Future Mortgages Ltd 4 1 6 0 7 6
(Switch cards only)
6 Admiral Way
Doxford International Business Park FOR FUTURE MORTGAGES LTD OFFICIAL USE ONLY
Sunderland This is not part of the instruction to your Bank or Building Society
(as it appears on the card) SR3 3XW Please choose which day of the month you would prefer
Address payment to be collected
(as it appears in the Name(s) of Account Holder(s)
card issuer’s records) 1st 14th
Signature of cardholder
Bank/Building Society account number
Branch Sort Code
Section Lii – Additional Fees
Instruction to your Bank or Building Society
Please indicate how you would like to pay the following fees. Please pay Future Mortgages Ltd Direct Debits from the
Name and full postal address of your Bank or Building Society
Add to Loan Pay prior to Completion account detailed in this instruction subject to the safeguards
Completion Fee To: The Manager Bank/Building Society assured by the Direct Debit Guarantee. I understand that this
instruction may remain with Future Mortgages Ltd and, if so,
Address details will be passed electronically to my Bank/Building Society.
Freedom of Agency
Local Search Indemnity Postcode Signature(s)
If you would like to pay the fees please tick the box and complete the following details. Future Mortgages Ltd reference number
(to be completed by Future Mortgages Ltd)
Method of Payment MasterCard Visa Delta Switch Amex Cheque
I authorise you to debit my
account with the amount of
My card number is
(The last 3 digits on the reverse of ✁ Bank and Building Societies may not accept Direct Debit instructions for some types of account
your card on the signature strip)
This guarantee should be detached and retained by the Payer
(Switch cards only)
The Direct Debit Guarantee
(as it appears on the card)
Address • This guarantee is offered by all Banks and Building Societies that take part in the Direct Debit scheme.
(as it appears in the The efficiency and security of the scheme is monitored and protected by your own Bank or Building Society.
card issuer’s records)
Postcode • If the amounts to be paid or the payment dates change Future Mortgages Ltd will notify
you 10 working days in advance of your account being debited or as otherwise agreed.
• If an error is made by Future Mortgages Ltd or your Bank or Building Society, you are guaranteed a full and
Signature of cardholder immediate refund from your branch of the amount paid.
Date • You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also forward a copy
Cheque payments are to be received at least 10 days before completion. Failure to pay on time will result in delay. of your letter to us.
If paying by credit/debit card, these fees will be deducted at completion stage.
Certificate of Authorisation
Please complete this form and fax to: Future Mortgages 0870 4106700
Mortgage Application Number
I authorise Future Mortgages Ltd to contact my/our employers (past and present) bankers, other lenders (past and present),
accountants, landlords or any other person necessary to verify the information given by me/us in this Application.
First Applicant Second Applicant