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CMS Mortgage Application form

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					      Mortgage Application Form




A fresh perspective
                                     CMS FSA Registration Number

                                                     CMS Contact Name

                                                                  CMS E-mail


                                                                         Lender

                                               Mortgage Product/Code

                                                       Initial Interest Rate

                                                                            Type

                                                   End Date/Rate Period

                              Customer Facing Intermediary Firm

                                                             Contact Name

                                                         Business Address




                                                                                                                Postcode

                                        Business Telephone Number

                                          Business Facsimile Number

                                                                         Mobile

                                                                          E-mail

                                    Intermediary Firm FSA Number

                                                      Directly Authorised                           Appointed Representative
                                                        Network Principal

                           Network Principal’s Business Address




                                                                                                                Postcode

                        Network Principal’s Telephone Number

                              Network Principal’s Contact Name

                                 Network Principal’s FSA Number

           Appointed Representative Firm Reference Number


Procuration Fee Payment Route Creative Mortgage Solutions Limited                    Network Principal               Intermediary Firm



                        Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
  A            LENDER FSA REQUIREMENTS

The following questions are to be completed by members of Creative Mortgage Solutions staff only:

1. How much is the Creative Mortgage Solutions Application Fee?                                     £                           NB. This includes a processing fee of £125

2. If the mortgage application does not proceed, how much of the Creative Mortgage Solutions Application fee is refunded?                                                            £
   If none tick box

3. What level of procuration fee will be paid to the intermediary?                                  £
4. Creative Mortgage Solutions is packaging/processing this mortgage application on behalf of the intermediary and will receive a packaging
   fee of £

a] What level of procuration fee is passed on to the applicant? All                                       None             Part

b] If part how much of the procuration fee is paid to the applicant?                                £
5. Name of firm                                                                                                                   is involved in arranging this mortgage.

6. The reason for self certification or self declaration of income
   where applicable is:
   ■ Self employed/contractor
                                                                                                   7. This mortgage transaction is:                         8. This mortgage transaction is:
   ■ Earned income derived from various sources
   ■ Investment income                                                                             ■ Residential                                            ■ Regulated Loan
   ■ Other                                                                                         ■ Buy to Let                                               Yes     No



  B           LENDER FSA REQUIREMENTS

The following questions are to be completed by the mortgage intermediary only:

Mortgage Related Questions
1. Was the mortgage sale: Advised                        Non-advised

2. Was the mortgage sale advised or arranged before 31 October 2004? Yes                                           No

3. Do you charge an intermediary services/broker fee? Yes                                  No           If yes how much do you charge?                                    £
4. If the mortgage application does not proceed, how much of your intermediary services/broker fee is refundable?                                                         £
5i] Are there any other fees payable? Please state:

                                                                                                                                                                          £

                                                                                                                                                                          £
                                                                                                                                                                              None
5ii] If the mortgage application does not proceed, prior to valuation, offer or completion how much of the
    fees stated above [where applicable] will be refunded? Please state:

                                                                                                                                                                          £

                                                                                                                                                                          £

Insurance Related Questions
1. Was any single premium insurance policy sold with the mortgage? Yes                                          No

    If yes was answered, please provide the following details for each single premium insurance policy sold:

    Name of insurer:

    Term of insurance policy:                                 years     Insurance policy amount: £

    Is the insurance premium added to the mortgage loan? Yes                                     No

2. Has the property insurance relating to the property to be mortgaged been sold at a distance, that is by telephone, post, facsimile or internet?
   Yes      No

Mortgage Advisers Declaration
1. I have undertaken a detailed assessment of the applicant[s] income and expenditure and I believe that the applicant[s] will be able to maintain the mortgage payments, including any possible
increased payments after any benefit period has expired. 2. I confirm responsibility for accuracy of the Key Facts Illustration in respect of the mortgage product applied for which has been
recommended and supplied to the applicant[s]. 3. If the mortgage term extends into retirement, I confirm that the applicant[s] have arrangements in place to enable them to maintain their mortgage
repayments in retirement. 4. If the mortgage is to be repaid on an interest only basis I confirm that I have discussed repayment methods with the applicant[s] and that arrangements have been or will
be made to repay the capital. 5. I confirm I hold the appropriate permissions from the Financial Services Authority [FSA] for the regulated activities I have undertaken in relation to this application.


                                                                                                                       Print Name
                                                                                                                       Name of Firm
Signed                                                            Date                                                 Position
                                         1           PERSONAL DETAILS
                                                  1st Applicant                                                          2nd Applicant

                                      1 Title      Mr          Mrs           Miss         Other                          Mr          Mrs           Miss         Other


                              2 Surnames

                             3 Forenames

   4 Have you ever been known by                   Yes         No                                                        Yes         No
    another name If ‘yes’ please provide
  previous name, date of change and reason
                   for change in Section 17.

                           5 Date of birth                             /                           /                                         /                           /

                              6 Nationality

                                                   Yes         No                                                        Yes         No
7 Do you have diplomatic immunity?


8 How long have you lived in the UK?

                          9 Marital Status         Married                  Single                     Divorced          Married                  Single                     Divorced

                                                   Separated                Widowed                    Living together   Separated                Widowed                    Living together



      10 National Insurance Number

    1 Relationship to Joint Applicant
     1

                      12 Present Address
     If correspondence address differs from the
 present address please advise us in section 17




                                                                                     Postcode                                                              Postcode

        13 Home Telephone number

        14 Mobile Telephone Number

         15 Work Telephone Number

                        16 E-mail Address

17 How long at your present address?                           Years                         Months                                  Years                         Months


                    18 Residential Status          Owner                   Living with relatives          Renting        Owner                   Living with relatives          Renting

     19 If less than 3 years at current
         address please give previous
      address/es Please provide any other
                        addresses in Section 17


                                                                                     Postcode                                                              Postcode

        20 How long at this address?                           Years                         Months                                  Years                         Months


                    21 Residential Status          Owner                   Living with relatives          Renting        Owner                   Living with relatives          Renting


22 Number of dependents and ages                               Relationship to applicant                  Ages                       Relationship to applicant                  Ages



                                                  Please answer all of the questions in full using BLOCK CAPITALS or ticking the appropriate box. All questions must be
                                                  completed. If some questions are not relevant please enter not applicable. Where this form is not completed by the
                                                  applicant[s] personally, it is essential that the answers are confirmed as correct by the applicant[s] before signing. Both 1st
                                                  and 2nd applicants are required to fill in Sections 1-7, 14 and 15.




                                                   Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
                                         2               PRESENT HOUSING
                                                    1st Applicant                                                                         2nd Applicant

              1 Name and address of
            current lender or landlord




                                                                                      Postcode                                                                              Postcode

                                                    £                                                                                      £
                     2 Monthly Payment


                           3 If mortgaged           Outstanding loan £                                                                     Outstanding loan £

                                                    Selling Price £                                                                        Selling Price £

4 Date mortgage/rent commenced                      Month                                  Year                                            Month                                 Year

                     5 Account number

      6 Will you be redeeming your
existing residential mortgage before
                                                     Yes                         No                                                         Yes                        No
[or at the same time as] purchasing
                 your new property?


     7 If Yes to residential mortgage                Ex-Marital                  Renting                                                    Ex-Marital                 Renting
      retained, reason for retention?


        8 What will be your monthly
                                                     £                                                                                      £
  payment on the mortgage you are
retaining on completion of this loan?


 9 If your residential mortgage is to
                                                     £                                                                                      £
  be retained and rented, what will
      the monthly rental income be?


  10 Are there any early repayment
                                                     Yes                         No                                                         Yes                        No
  charges applicable to your existing
                          mortgage?

   1 Has the mortgage or tenancy
    1
                                                     Yes                         No                                                         Yes                        No
      been DWP assisted in the last
                      12 months?


   12 Have you received housing
      benefit totalling >25% of the                  Yes                         No                                                         Yes                        No
 monthly payment due in the last12
                           months?


   13 Have you previously owned a
                                                     Yes                         No                                                         Yes                        No
                         property?


14 Give details of lenders/landlords
              in the last three years
  If a tenant please provide details of previous
          landlords. Use Section 17 if necessary




                                         3               OCCUPATION DETAILS
                                                   1st Applicant                                                                         2nd Applicant
                                              1      Are you:                                                                               Are you:
                                                     employed                                     contract worker                          employed                                     contract worker
                                                     self-employed                                controlling director                     self-employed                                controlling director
                                                     retired                                      other                                    retired                                      other

                                                   If you are employed, retired or other please proceed to Section 4 completing the questions where applicable. If you are self-employed please proceed to Section 5 only.
                                           4          INCOME DETAILS - EMPLOYEES                                                IF SELF-EMPLOYED COMPLETE NEXT SECTION


                                                    1st Applicant                                                  2nd Applicant

  1 Name and address of employer




                                                                                 Postcode                                                        Postcode

    2 Employer’s telephone number

                     3 Facsimile number

                        4 Job description

                    5 Nature of business

              6 Is position permanent?

           7 How long have you been
  continuously employed in this job?

8 Tax District and reference number

      9 Employee or works number

        10 Do you own any shares in
                                                    Yes                    No           % Shareholding              Yes                    No           % Shareholding
                              the company?

1 How are your wages/salary paid?
 1                                                  Cash               Cheque           Bankcredit                  Cash               Cheque           Bankcredit

        12 Gross income? Please enclose
                                                                       Basic £                                                         Basic £
       salary/payslips covering the last 3 months

                                                               Overtime £                                                      Overtime £


                                                    Is this regular?                    or guaranteed?              Is this regular?                    or guaranteed?


                                                    Bonus/Commission £                                              Bonus/Commission £


                                                    Is this regular?                    or guaranteed?              Is this regular?                    or guaranteed?



                                                                       Total £                                                         Total £

13 Does any of your income come
            from DWP payments?                      Yes                    No                                       Yes                    No

    14 Have you ever received state
     benefits of over 50% of monthly
     payments in the last 12 months?                Yes                    No                                       Yes                    No


 15 If with present employer/s less
  than 3 years please provide name
and address of previous employer/s
covering that period. Indicate length
   of service and position held with
                           each firm
                    (Use Section 17 if necessary)
                                                                                 Postcode                                                        Postcode

                                    16 Dates                               /                /                                              /                /

                          17 Position held

     18 Other income If necessary please
                                                    Description                                                     Description
provide source of additional income in Section 17




                                                    Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
                     19 If you receive rental income please complete further details in Section 17.
       20 What is your anticipated
                   retirement age?

  21 If lending into your retirement          Type                                     Amount                                     Type                                     Amount
     please breakdown the type of
                  amount of income

                                             If the mortgage term extends beyond retirement age, details should be supplied in Section 17 of how the applicant[s] proposes to maintain mortgage repayments or
                                             any other intended arrangement in retirement.



                                    5              INCOME DETAILS -                                       SELF-EMPLOYED OR CONTROLLING DIRECTORS*

                                             1st Applicant                                                                      2nd Applicant
                                             *To include Directors who own or control 25% or more of the voting rights          *To include Directors who own or control 25% or more of the voting rights




             1 Business description

                                              Private Limited Company             Partnership         Sole Trader                 Private Limited Company             Partnership         Sole Trader
               2 Details of business

                                              Public Limited Company                                                              Public Limited Company


 3 Name and address of company




                                                                              Postcode                                                                            Postcode


              4 Telephone number

                5 Facsimile number

                                                                                                      years                                                                              years
                6 How long trading?
      7 Company registration and
                                              Reg No.                                  Vat No.                                    Reg No.                                  Vat No.
                   VAT number
                                                           %                           How long owned?                                        %                            How long owned?
     8 What is your shareholding?
   9 Your share of the last 3 years           20                                       £                                          20                                       £
                        net profits
                                              20                                       £                                          20                                       £


                                              20                                       £                                          20                                       £


                                              Yes          No                                                                     Yes         No
             10 Do you pay UK tax?

1 Name ad address of Accountant
 1




                                                                              Postcode                                                                            Postcode


             12 Telephone number

               13 Facsimile number
                                              Certified/Chartered/Other                                                           Certified/Chartered/Other
     14 Accountants qualifications

                 15i) Other income            Description                                                                         Description
     If necessary please provide source of
          additional income in Section 17
                                    15ii) If you receive rental income please complete further details in Section 17.


                                               Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
                         6            INCOME DECLARATION
                                 ONLY SELF-CERTIFICATION APPLICANTS NEED TO COMPLETE THIS SECTION, THEN PROCEED TO SECTION 7

                                 Please ensure that either the employed or self-employed sections are fully completed.

                                 1st Applicant                                                                                     2nd Applicant
                                  £                                                        per annum                                £                                                      per annum
        1 Total earned income

                                  £                                                        per annum                                £                                                      per annum
          2 Total other income
                                 Reason for self certifying income                                                                 Reason for self certifying income


            3i) Employed only        Because you:                                                                                    Because you:
                                     are an existing borrower                                                                        are an existing borrower
                                     earn commission/bonus based income                                                              earn commission/bonus based income
                                     earn from a second income source which is non-PAYE                                              earn from a second income source which is non-PAYE
                                     earn income from a contracts deadline/auction sale                                              earn income from a contracts deadline/auction sale
                                     earn other income                                                                               earn other income




                                                                                                       TICK BOX WHERE APPLICABLE




                                                                                                                                                                                                       TICK BOX WHERE APPLICABLE
                                     If other income please state type of income                                                     If other income please state type of income
                                     in Section 17                                                                                   in Section 17



3ii) Employed or self-employed       Because:                                                                                        Because:
                                     proof of income is not readily available                                                        proof of income is not readily available
                                     there is a deadline                                                                             there is a deadline
                                     income is derived from various sources                                                          income is derived from various sources
                                     please provide a detailed explanation in Section 17                                             please provide a detailed explanation in Section 17




                                 I/We can afford my/our current and estimated future mortgage payments even if my/our income falls. I/we certify that
                                 if we have applied for a product which either does not require me/us to disclose my/our income, or which permits
                                 me/us to self certify my/our income, I/we understand my/our obligations and I/we have sufficient income [gross
                                 earnings] to support the loan requested stated within the Key Facts Illustration, and, if applicable, that the income
                                 declared is a true accurate assessment of my/our total earned income.

                                 I/We are also aware and fully appreciate the implications the following statements could have on my/our ability
                                 to meet the required monthly mortgage payments:

                                 ■     A false declaration of income will have a serious effect on my/our ability to regularly meet mortgage payments.
                                 ■     Interest rates are variable and monthly payments may increase over the period of the mortgage.
                                 ■     Taking on new or additional financial commitments during the period of the mortgage whilst not receiving any
                                       corresponding increase in income could affect my/our ability to meet mortgage payments.
                                 ■     My/Our home may be repossessed if I/we do not keep up repayments on my/our mortgage.




                     4 Name

                  5 Signatures

                       6 Date




                                     Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
                                   7              OUTGOINGS
                                           Do either of you have or have had any other secured loans/mortgages on this or any other property? Yes                                                  No
                                           If ‘yes’ give details in Section 17.
                                           Are either of you currently applying to any other lender for a loan?                              Yes          No
                                           If ‘yes’ give details in Section 17.
                                           Have either of you taken out a student loan? Yes        No
                                           If ‘yes’ give details in Section 17.
                                           Please list any other secured or unsecured commitments, i.e. Hire Purchase, Bank Loans/Overdraft,
                                           Credit Cards, Catalogues,Child Support Payments, Second or Subsequent Mortgage Payments, etc.

                                            Applicant         Name of                                 Monthly           Account                            Final payment                        To be
                                                                                    Balance                                             Purpose of loan                     Secured         redeemed on
                                             1 of 2           company                               payment             number                                 Date                          completion

                                                                                                                                                                           Yes      No       Yes    No

                                                                                £                 £




                                                                                £                 £




                                                                                £                 £




                                                                                £                 £


                                           If any hire purchase agreement or loans are in arrears please state the number of months in Section 17.

                                           Do you have any other non credit monthly commitments and the amount? [i.e, regular savings, monthly investments]
                                           If ‘yes’ give details in Section 17.

                                           Applicant 1. Are you making any maintenance payments? Yes                              No       If yes, how much? £             How often? Weekly/Monthly

                                           Applicant 2. Are you making any maintenance payments? Yes                              No        If yes, how much? £            How often? Weekly/Monthly

                                           WARNING: Failure to declare any regular and unavoidable personal committed debt required as
                                           above may result in your mortgage application being declined. Please provide full details and use
                                           Section 17 if required.


                                   8              PURCHASES
                                            Both Applicants

                                              £
                     1 Purchase price

                                                                                                                                       Repayment term required                           Years
                     2 Loan required

                                              Yes                         No
        3 Are you a first time buyer?
     4 Will this mortgage be for the
                                              Yes                         No
equal benefit of all named applicants?
                                             If ‘No’ please specifiy for whose benefit the mortgage is being obtained


  5 Sale price of existing property if
                                              £
                           applicable

                                              Amount £                                                   Details
                 6 Source of deposit

                                              Endowment                      Repayment                       Pension              Part Capital/Part Interest only                Interest only
                        7 Type of loan
    8 If part capital/part interest only
                                              Part Capital £                                                                           Part Interest £
               please confirm amount
 9 Please state how the loan will be
                                              Savings                                                    Investments income/vehicle                                        Sale of property
       repaid if interest only or part
            capital/part interest only
                                           If other please provide details in Section 17

  10 Please state any fees which you              Fee                                                                                   Amount     £
       would like adding to the loan              Fee                                                                                   Amount     £
                                                  Fee                                                                                   Amount     £
                                                  Fee                                                                                   Amount     £

   1 Please indicate your preferred
    1
      payment date ie (1st - 28th)
                                   9         PROPERTY DETAILS
                                           Both Applicants

                                                                                                                        Name and address of Estate Agents/access
       1 Name of present owner(s)
2 Full postal address of property to
                      be mortgaged




                                                                            Postcode                                    Telephone Number


   3 Telephone number for access
          4 Are you purchasing as a
                                            Yes                     No
                     sitting tenant?

5 Who should we contact for access?
   6 Are you purchasing under the           Yes                     No
           Right to Buy legislation?
                                            Yes                     No
             7 Is this a private sale?
                                            Yes                     No                         If ‘yes’ please give details
    8 Are you related to the seller?
                                            Yes                     No                         If ‘yes’ please give details
        9 Is a Deed of Gift involved?
10i) Is the property to be occupied
                                            Yes                     No                         If ‘no’, when will it be occupied?
                        immediately?
                                                                                               10ii) When is the entry date? (Scotland only)

                      1 Description
                       1
                                            Home                                   Bungalow                             Flat                               Maisonette

                                            Other                                  Number of bedrooms                   Number of living rooms

                                            Number of kitchens                     Number of bathrooms                  Number of car spaces               Number of garages



             12 If a flat, please state:    What floor in block?                               Number of storeys                Is it purpose built?       Yes          No

                                            Please state approximate percentage of owner occupation                     %       Is it above commercial     Yes          No


                           13 Tenure        Freehold            Leasehold                 Commonhold           Feudal           Shared ownership          Shared equity


               14 If applicable, state
                                            Unexpired term of lease                                                     years

                                            Ground rent of Fee duty                £                                                                       p.a.

                                            Service Charge                         £                                                                       p.a.



                    15 Construction
                                            Type:                                  Detached                Semi                      Terraced              Other

                                            Walls:                                 Brick                   Stone                     Other

                                            Roof:                                  Tile                    Slate                     Other

                                            If other please give details.



            16 Year of construction         ‘New’ if being constructed

        17 Is the property less than
                                            Yes                     No
                     12 months old?



    18 Please provide full names of
    anybody 17 years or over(other
 than the applicants) who will reside
                      in the property


                                           Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
 19 Please state the relationship to the                                                            24 Are there any                                                29 Approximately how
    applicant(s) of anybody 17 years or                                                       agricultural restrictions?           Yes          No                  many acres are included
   over who will reside at the property                                                                                                                                  with the property?
                                                                                          25 Is the entire property
   20 For Buy to Let schemes only will                                                             for you and your                                                  30 Do you intend to let                Yes
 any related persons live at the property               Yes              No                      family’s immediate                Yes          No                    the property? If ‘yes’ please
                                                                                                     residential use?                                            provide details of the relationship in
                                                                                                                                                                                                            No
         21 If ‘yes’ to question 19 will the                                                                                                                                                Section 17
    relative(s) occupy more than 40% of                                                   26 Is any of the property
   the property? If ‘yes’ please provide details of     Yes              No                to be used for business                                                      31 If let, what is the
                                                                                                                                   Yes          No
                      the relationship in Section 17                                                     purposes?                                                  expected rental income?                 £

 22 If less than 10 years old is there a                                                           27 Is the property
         NHBC Certificate or a Zurich                   Yes              No                        ex-council/housing              Yes          No
          Municipal Building Guarantee                                                                    association?                                                                                      p/m

        23 Are there any immediate                                                                 28 Is full vacant               Yes          No
                                                        Yes              No
 improvements made to the property?                                                          possession being taken
                                                                                                      on purchase?
                                                        Mortgage Valuation                                                    Home Buyers                                             Full Structural
             32 Type of survey required

                                               33 Has the property been extended or altered in the last 10 years? Yes                                 No




                                           10              REMORTGAGES
                                                       Both Applicants

                                                       £                                                                                   Loan required £
          1 Estimated value of property

                                                       Date                      /                          /                              Amount £
 2 Date and amount of original purchase

                                                       £                                                                                   Repayment term required                                  years
        3 Amount originally borrowed

                                                       Amount £                                                                            Date              /            /                Purpose
     4 Details of any further advances

                                                                                                                                                                                       £
    5 Please give a breakdown of any
    costs incurred with improvements                                                                                                                                                   £
 carried out since the purchase of the
                                                                                                                                                                                       £
               property where applicable

                                                       Amount £
      6 Mortgage balance outstanding

                                                        Yes              No
7 Will this mortgage be for the equal
                                                        If ‘No’ please specify for whose benefit the mortgage is being obtained
        benefit of all named applicants?
                                                        Yes              No
8 Will there be any extra money raised?

                                                                                                                                                                                       £
   9 Please give a breakdown of how
 the remortgage monies will be used?                                                                                                                                                   £

                                                                                                                                                                                       £


                                                        Endowment                    Repayment                  Pension           Part/Capital/Part interest only             Interest only
                             10 Type of loan

    1 If part capital/part interest only
     1
                                                        Part capital £                                                                      Part capital £
                   please confirm amount

 12 Please state how the loan will be
           repaid if interest only or part
                                                        Savings                                             Investment income/vehicle                                 Sale of property
                  capital/part interest only

  13 Was the original purchase under
                                                        Yes              No                       Details
               the Right-to-Buy Scheme?




                                                        Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
                            11         LIFE ASSURANCE
                                    DETAILS OF ALL LIFE AND PENSION POLICIES TO BE USED TO REPAY THE LOAN


                                     Name of assurance company   Policy number   Life assured (1st/2nd/both applicants)    Type of policy   Sum assured   maturity date




                                    NB. If you are taking out an interest only mortgage which extends into retirement please provide full details of
                                    the associated repayment vehicles either above or in Section 17.




                            12         SOLICITOR/LICENSED CONVEYANCER
                                    Please note that some lenders will only use solicitors with multiple practising partners.

                                    Both Applicants


     1 Name of conveyancing firm




   2 Address of your conveyancer




                                      Postcode                                                             DX Number


3 Number of solicitor/conveyancer
                        partners?

 4 Name of person acting for you

5 Telephone and facsimile number

                               6 Do you want the lender to instruct the solicitor on your behalf? Yes                     No




                                     Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
13        INSURANCE
     DISCLOSURE OF MATERIAL FACTS - DECLARATION

     This section MUST be completed irrespective of the applicants insurance intentions


     Have you or any member of your household permanently residing with you :                                        Yes        No
     1     Ever been refused insurance or had any special terms or conditions
           imposed by any insurer?
     2     Made any claims or suffered any losses for property stolen, lost or
           damaged, or had any claims made against you in the last 5 years,
           whether insured or not? If yes, please provide dates, amounts and type
           of each loss in Section 17
     3     Ever been convicted, or have any prosecutions pending, for any criminal
           offence [other than motoring offences].
     4     Suffered any loss or damage or liability in the last 3 years (can be greater),
           whether insured or not, and which would be insured by the insurance you
           are choosing
     5     Will the property remain unoccupied for more than 30 consecutive days?
     6     Is the property to be insured lived in by anyone other than you or your family?
     7     If the property is a weekend or holiday home is it likely to be left unoccupied
           for more than 40 days at a time?
     8     Is the property to be insured used in anyway for trade, professional or business
           purposes?
     9     Is the property in a sound state of repair?
     10 Are you aware of any past or existing structural damage to the property to be insured?
     1 Has the property been insured or underpinned or provided with any other means of
      1
        structural support?
     12 Has the property or surrounding area been affected by subsidence, settlement or land slip?
     13 If the property had been underpinned or provided with any other means of structural support,
        are any other guarantees available?


     Please provide any additional information in Section 17.
     Buildings Insurance
     In all cases buildings insurance must be maintained under a Householder’s Building Policy for a sum not less than that
     specified by our valuer. The property can normally be insured through the lender’s insurer and the sum insured will be
     based upon an estimate of current rebuilding costs and will be increased in line with the House Rebuilding Cost Index.
     You should always ensure, however, that the sum insured is an accurate reflection of the cost of rebuilding your home.


     Title Insurance
     Is title insurance required on this mortgage? Yes          No
     If you are unsure of the benefits of title insurance please ask your mortgage intermediary for further details.


     Please note
     Insurance is subject to the completion of the Mortgage Application Form by all borrowers. This household insurance
     policy is underwritten by certain Underwriters arranged on behalf of the lender.
     A copy of this application form is available upon request together with a policy booklet.
     Please note that there may be an initial charge made on completion should you arrange your own insurance cover and
     this will be notified to you in your mortgage offer.
     If the property is leasehold and the lease requires cover through an insurance company specified by the landlord then
     cover must be effected in accordance with the lease. In all cases where the property will be insured otherwise than
     through the Scheme Block Policy, a copy of the insurance policy and last premium receipt must be produced and the
     insurance must comply with the criteria set out in the Mortgage, General and Special Conditions.
     The parties to this insurance are free to choose the law applicable to it. Unless specifically agreed to the contrary with
     the insurers, this insurance shall be subject to English Law.
     The insurer may pass your personal data to other companies for processing on its behalf. Some of these companies
     may be based outside Europe in countries which may not have laws to protect your personal data, but in all cases the

         Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
               insurer will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the
               companies and countries involved can be provided to you on request. Insurers and their agents may share information
               with each other to prevent fraudulent claims and for underwriting purposes via a Claims and Underwriting Exchange
               register, operated by Insurance Database Services Ltd. A list of participants is available on request. The aim is to help us
               check information provided and also to prevent fraudulent claims. In dealing with your application this register may be
               searched. In the event of a claim, the information you supply on this form and claim form, together with other
               information relating to the claim, may be put on the register and made available to other participants. A statement of
               cover with full policy wording is available on request prior to cover being arranged.


               Does the client wish to take the lenders insurance. Yes         No
               Details will be supplied with your mortgage offer.

               I/we understand that you will pass the information on this form and about any incident I / we may give detail of to IDS
               Ltd. so that they can make it available to other insurers. I / we also understand that, in response to any searches you
               may make in connection with this application or any incident I / we have given details of , IDS Ltd. may pass information
               it has received from other insurers about other incidents involving anyone insured under the policy.

               I / we understand that you may ask for information from other insurers to check the answers
                I / we have provided.

               I / we declare to the best of my / our knowledge and belief the answers given in Section 13 are true and all material
               information as explained above has been disclosed.



               Buildings and Contents Insurance
               A combined buildings and contents plan is available and details, including a quotation, will be sent to you on request.

               Do you require details and a quotation? Yes          No

               Your Own Insurance
               Please note that if you wish to arrange your own insurance cover then the lender may wish to approve this. The lender
               will make a charge on completion, to cover the additional administration work involved and this will be shown in the
               lender’s tariff of charges and notified to you on the mortgage offer.
               You should show this notice to anyone who has interest in the property insured under this policy.



                   Mortgage Payment Protection Insurance Scheme
                   In view of the reduction of state benefits to mortgage borrowers who have an accident, become ill or
                   unemployed, you are strongly recommended that you consider a payment protection plan.
                   Do you require details and a quotation? Yes         No


                   Important Notice
                   Please sign if you are not taking this cover.
                   I/We confirm that I/we do not wish to take a payment protection policy. I/We are aware of my/our
                   continued obligation to make mortgage payments in the event that I/we are unable to work through
                   sickness or redundancy.

                   1st Applicant                                                2nd Applicant


1 Signatures

    2 Date




               WARNING: MAKE SURE YOU CAN AFFORD YOUR MORTGAGE IF YOUR INCOME FALLS


               Disclosure
               Any other facts known to you which are likely to affect assessment of the insurance cover you require must be
               disclosed in Section 17. Should you be in any doubt about what you should disclose, do not hesitate to tell your
               provider. We recommend that you keep a record (including copies of letters) for your future reference, of any
               additional information given. Making sure your Provider is informed is for your own protection, as failure to disclose
               may mean that your policy will not provide you with the cover you require, or perhaps will invalidate the policy
               altogether.


               I/We agree that the insurance will not be in force until the application has been accepted by the Company, except to
               the extent of any official cover note which may be issued.

                Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
                             14            CREDIT DECLARATIONS
                                                                                                                                              Yes No       Yes No

                                      1     Have you had a mortgage on any other property?
                                      2     Have you had any missed payments with your existing mortgage/rent?
                                            In the last 13 - 24 months?
                                            In the last 7 - 12 months?
                                            In the last 4 - 6 months?
                                            In the last 1 - 3 months?
                                            If ‘yes’ please provide details of amounts/months giving dates and reasons.
                                            Is this a non conforming mortgage?
                                      3     Have you been in arrears with any existing/previous loan secured or unsecured in
                                            the last 24 months?
                                            If ‘yes’ please provide details of amounts/months giving dates and reasons.
                                      4     Have you had a cumulative total of 3 months or more arrears on any secured or
                                            unsecured loan in the last 2 years?
                                      5     Have you ever been insolvent, bankrupt or made a composition with your creditors
                                            or is there an unsatisfied statutory demand in bankruptcy outstanding against you?
                                            If you have been made bankrupt please state in Section 17 the bankruptcy
                                            registration details and discharge date.
                                            If you have had an IVA please state in Section 17 the IVA arrangement and
                                            completion date.
                                            Name and address of supervisor required for IVA
                                      6     Has a County Court Judgement or Court Decree relating to debt ever been made
                                            against you?
                                            If ‘yes’ please provide amount[s], date[s], reason[s], dates[s] satisfied.
                                      7     Has a default relating to debt ever been registered against you?
                                            If ‘yes’ please provide amount[s], date[s], reason[s], dates[s] satisfied.
                                      8     Has a High Court Judgement or Court Decree relating to debt ever been made
                                            against you?
                                            If ‘yes’ please provide amount[s], date[s], reason[s], dates[s] satisfied.
                                      9     Have you ever had a property repossessed [voluntary or not] in the past?
                                      10 Are there any matters which should be brought to the attention of the lender?
                                      1 Have you ever had a mortgage application declined on this or any other property?
                                       1


                                      If you have answered ‘yes’ to any of the above questions, please supply
                                      information in Section 17.


                             15           YOUR BANKING DETAILS
           1 Name and address of
              Bank/Building Society




                                                                   Postcode                                                        Postcode

                      2 Telephone
      3 How long have you had an
                account with them

               4 Account number

                                                         /                        /                                      /                       /
                      5 Sort code

                                          Current        Savings          Current with interest          Current         Savings        Current with interest
               6 Type of account
7 Do you have a cheque guarantee
                                          Yes       No                                                   Yes       No
                            card?
                                         16             CREDIT/DEBIT CARD PAYMENT FORM
                      1 Application Fee
                                                    £
Note: There is a £125 non-refundable processing
                                                    Please debit my credit/debit card account £
              fee included in the application fee

     2 Name of Cardholder (as on
                                                                                                  Card Number
              Credit/Debit Card)

                                                    Valid from Month                  Year        Expiry Date Month             Year       Switch Issue Number



                                                                                                                                                              Acceptable Cards:
                                                                                         Date                                                                 Visa Credit, Maestro,
            3 Cardholder’s Signature                                                                                                                          Solo and Mastercard.




                                         17             ADDITIONAL INFORMATION
                                                    Please use this page to write down any relevant information as requested in the previous
                                                    sections supporting this application. Also indicate to which section and item number each
                                                    piece of information is relevant. Use additional sheets of paper if necessary.




                                                     Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
       If you receive rental income as per Sections 4 and 5 please complete the table below.

Applicant    Property/Address         Estimated Value   Current Mortgage    Lender &          Mortgage             Rental
 1 or 2     Details Any further                             Balance        Account no.       Repayment
            information please
            state in box above


                                  £                     £                                £               p/m   £            p/m




                                  £                     £                                £               p/m   £            p/m




                                  £                     £                                £               p/m   £            p/m




                                  £                     £                                £               p/m   £            p/m



Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
18      GENERAL DECLARATIONS
     To Creative Mortgage Solutions and any mortgage lender which lends me/us money pursuant to
     this application ‘The Lender’ includes successors and assigns and those deriving title through it.

     I/We declare and undertake that:                                   5. I consent to the Lender checking my details with a fraud
     For the benefit of this declaration ‘the Lender’ also means        prevention agency/agencies and if I give false or inaccurate
     any non-conforming and specialist mortgage company                 information and the Lender identifies fraud the lender will
     funding the mortgage product applied for.                          record this. I understand that the Lender and other
                                                                        organisations may use and search these records to:-
     1. The details of this application, any loan the Lender may
     make to you, any supporting documentation which you                help make decisions about credit and credit related
     have or will supply, any documents relating to the title to        services. for me and members of my household;
     the property or security provided in connection with the           help make decisions on motor household, credit life and
     loan and the history or conduct of your account(s) with            other insurance; proposals and insurance claims, for myself
     the Lender, may be held on the Lender’s computer, manual           and members of my household;
     and other records and processed for the proper conduct             trace debtors, recover debt, prevent fraud, and to manage
     of the loan and the Lender’s businesses generally including        my accounts or insurance policies;
     managing your account, statistical analysis, market research
                                                                        check my identity to prevent money laundering unless I
     and fraud prevention. They may be disclosed, subject to
                                                                        furnish the Lender with other satisfactory proof of identity.
     the provisions of the Data Protection Act 1998, to:
                                                                        6. I/We authorise the Lender to make such enquiries as it
     a] Any licensed Credit Reference Agency where they will
                                                                        considers necessary in relation to my/our application. To
     be stored and used by other Lenders for making credit
                                                                        prevent or detect fraud, or to assist in verifying my/our
     decisions about you and other members of your
                                                                        identity, the Lender may make searches of the Lender
     household and occasionally for fraud purposes;
                                                                        group records and at fraud prevention agencies who will
     b] Any insurer or prospective insurer under the mortgage           supply the Lender with information. Any information I/we
     to help them decide whether to offer cover and for                 provide may be held by the Lender in its computer
     processing claims.                                                 records and may be shared within the Lender, and passed
     c] Collection agents, to assist in the collection of any           to financial and other organisations involved in fraud
     arrears and/or administration of the mortgage; and                 prevention, including National Hunter, to protect the
     d] Market research organisations for use for research by           Lender and the Lender’s customers from theft and fraud.
     the Lender’s group of companies.                                   This information may be made available to other mortgage
                                                                        lenders where this is done in the interest of fraud
     e] The Possessions register maintained by the Council of           prevention. If I/we give the Lender false or inaccurate
     Mortgage Lenders.                                                  information and the Lender identifies fraud, the Lender will
     f] Third party providers.                                          record this. The Lender, members of the Lender group,
     g] Regulators.                                                     and other companies may use this information if decisions
                                                                        are made about me/us or others at my/our address[es] on
     h] Lenders, lawyers, auditors and external advisers.               credit or credit-related services or motor, household,
     2. The Lender has notified me/us that it processes                 credit, life or any other insurance facilities. It may also be
     “sensitive data” regarding criminal convictions about              used for tracing and claims assessment.
     applicants as part of risk profiling applications and for          7. I/We understand that the Lender will record details of
     insurance purposes. I/We am/are informed that this                 my/our application at Credit Reference and Fraud
     information is only used for assessing risk, the eligibility for   Protection Agencies who may keep a record of whether
     my/our application for a mortgage and my/our eligibility           or not this application proceeds. I/We understand that
     under any contract of insurance. I/we consent to sensitive         these agencies will link together information in the
     data held about me/us being processed in this manner.              financial records of my/our financial partners. I/We
     I/we consent to the Lender holding securely any medical            understand that such linked information will be taken into
     health data about me/us.                                           account in all future applications by either of us and that
     3. My/our personal information may be disclosed by the             this linking will continue until a notice confirming
     Lender to other members of the Lender’s group of                   separation [known as “disassociation”] is successfully filed
     companies, other Lenders, transferors, successors in title         at these agencies.
     any firm to whom the loan may be securitised to and legal          8. I/We understand that you will record details of this
     and equitable assigns. These companies may be located in           application at Credit Reference Agencies, whether or not
     the United Kingdom or other countries in or outside the            this application proceeds. An “association” will therefore be
     European Economic Area. These companies will hold and              created at credit reference agencies which will link our
     process this information only for the purposes specified in        financial records. I/we understand that our associates
     this declaration. Where any of these companies are                 information will be taken into account unless I/we instruct
     located outside the European Economic area the Lender              otherwise. If either of us applies for access to information
     will first ensure that it has an agreement in place, in which      held at Credit Reference Agencies, the applicant will
     those companies give equivalent assurances relating to the         receive only information relating to him/herself and the
     processing, transfer, security and access to personal              names of any associate[s]. By signing this declaration I am
     information as found in the Data Protection Act 1998. I/We         consenting to this.
     consent to the Lender disclosing my personal information
     in this way.                                                       9. I/We authorise the Lender when making its enquiries to
                                                                        use appropriate statistical techniques including credit
     4. I/We authorise the Lender or its agents to make                 scoring for assessing my/our application and that my/our
     searches about me/us at Credit Reference Agencies who              application and that my/our information may be processed
     will supply the Lender or its agents with credit information,      automatically. I/We understand credit searches may be
     as well as information from the Electoral Register. The            carried out in the name of another mortgage Lender
     agencies will record details of the search whether or not          (“Business Partner”) with whom the Lender has an
     this application proceeds. The Lender or its agents may            arrangement to transfer the mortgage, and that the search
     use credit scoring methods to assess this application and          details will be recorded on my/credit history. I/We also
     to verify my/our identity. Credit searches and other               understand that my/our application may be evaluated
     information which is provided to me/us and/or the Credit           using the credit scoring system of the Business Partner. If
     Reference Agencies, about me/us and those with whom                my/our application does not satisfy the Business Partner’s
     I/we are linked financially may be used by the Lender or its       lending criteria, I/we authorise the Lender to place my/our
     agents and other companies if credit decisions are made            application with another Business Partner or with one of
     about me/us, or other members of my/our household.                 the Lender’s own mortgage products. For this purpose,
     The information may also be used for debt tracing and the          I/we understand that further credit searches may be
     prevention of money laundering as well as the                      required and I/we hereby authorise multiple credit
     management of my/our account.                                      searches to be carried out based on this single application.

       Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
10. You consent to the Lender, and/or their assignee,              successfully files a ‘disassociation’ at the Credit Reference
transferee or chargee of the whole or any part of the              Agencies.
Lender’s right, title and interest in and to the mortgage          16. I/We agree that where I/we borrow or may borrow
passing to any actual or potential transferee, assignee,           from the Lender, the Lender may give details of my/our
provider of funds or other interested or contracting party         account and how I/we manage it to Credit Reference
the details contained in this application, any supporting          Agencies. If I/we borrow and do not repay in full and on
documents that are now enclosed or may afterwards be               time, the Lender may tell Credit Reference Agencies who
provided, any other documents relating to the title of the         will record the outstanding debt.
property, the loan, the mortgage, any collateral security, the
history or conduct of your account [s] or any other                17. The methods of contact to which you consent include
information or documents involving you or the property.            automatic calling systems, fax, electronic mail, telephone
                                                                   [including Interactive Voice Recording facilities], SMS/Text
1 I/We accept that under the Data Protection Act 1998 I
  1.                                                               messaging, and other online or interactive media. You
am/we are entitled upon payment of a fee to know what              agree that telephone conversations and other
personal information is held about me/us by the Lender to          communications between you and us or third parties may
know the source of the information, to receive the names           be recorded and/or monitored to assist in improving
of the organisations to whom my/our personal                       customer and collections services.
information will be or has been disclosed and the
purposes for which my/our information will be or has               18. Information given in this application is a true and
been used, and to ask for any inaccurate details to be             complete statement, to the best of my/our knowledge
amended, If I/we wish to exercise any of these rights I/we         and belief and contains no material omission if any such
should write to the Data Protection Manager at the Lender.         information is incorrect, I/we will make good any loss
                                                                   which the Lender may suffer by acting in such reliance on
12. Please telephone us on 01244 680033 if you want                such information. I/we undertake to notify the Lender of
details of those Credit Reference, Fraud Prevention                any change in my/our circumstances [which does or may
Agencies and Insurers from whom we obtain and to                   affect the information herein] prior to any mortgage loan
whom we pass information about you. You have a legal               being made by any Lender and I/we authorise my/our
right to these details. You have a right to receive a copy of      conveyancer to disclose such information to you. I/we
the information we hold about you if you apply to us in            understand that if any answer has been written by any
writing. A fee will be payable.                                    other person, that person shall for that purpose be
13. Information held about me/us by Credit Reference               regarded as acting for me/us and not for the Lender. If any
Agencies, may be already linked to records relating to one         of the information on this form changes prior to the
or more parties. For the purpose of this application, I/we         making of this advance, I/we will notify the Lender in
understand that I/we may be treated as financially linked          writing and will not take up the advance unless the Lender
and my/our application may be assessed with reference to           has previously consented in writing.
any ’associated records’.                                          19. I/We authorise the Lender or its agents to instruct a
By stating a financial association with another party, you are     qualified valuer to carry out a valuation of the property on
also declaring that you are entitled to:                           receipt of this application at my/our cost. I/we understand
• Disclose information about your joint application,               that the payment of a valuation fee will not bind the
and/or any one else referred to by you, and                        Lender to grant any advance.
• Authorise us to search, link and/or record information at        20. I/We understand that if this application is successful the
Credit Reference Agencies about you and/or any one else            information contained herein forms part of the terms of
referred to by you.                                                the mortgage.
14. I/We understand that once my/our loan, mortgage or             21. I/We understand that where the mortgage is in joint
security for the repayment of any loan or mortgage made            names and is subsequently granted, the liability to the
in connection with this application has been transferred or        Lender will be joint and several and in the event of the
assigned, the Company may obtain information and data              death of either of us, the mortgage account vests in the
from the new Lender about my/our loan, mortgage or                 survivor.
security for the repayment of any loan or mortgage                 22. If there are more than one of us, then we agree and
account to assist in statistical research relating to credit       understand that our liabilities and obligations hereunder
scoring or the investigation and resolution of complaints.         are joint and several and we consent to the Lender
I/We understand that this information will be obtained             sending all communications and statements of account to
from the new Lender and I/we consent to the Company                one only of us unless we otherwise notify the Lender in
using my/our data in this way.                                     writing.
15. Where a financial association has been stated:                 23. We understand if the loan is made to joint applicants
‘For Sole Applicants’                                              each of us will be liable to the Lender for the full amount
                                                                   of the loan.
Information held about you by the Credit Reference
Agencies may be linked to records relating to your partner.        24. I/We understand that the Lender reserves the right to
For the purposes of this application you and your partner          revalue the property at any time after completion of the
are financially independent and you request that your              mortgage and, if necessary, reschedule the loan accordingly.
application be assessed without reference to any                   25. Neither the Lender or its agents, nor the qualified
‘associated’ records, although you recognise that this may         valuer who is to be instructed are under any liability either
adversely affect the outcome of your application. You              on the basis of negligence or on any other basis
believe that there is no information relating to your              whatsoever to me/us as purchasers in respect of the value
partner that is likely to affect our willingness to offer          or the state or condition of the property. The inspection of
financial services to you. You authorise us to check the           the property will be carried out on behalf of the Lender
validity of this declaration with Credit Reference Agencies        and will not include a detailed survey of the structure
and if we discover any associated records, which would             unless specifically requested. I/We understand that the
affect the accuracy of this declaration we may decide not          Lender is not the agent of the valuer and I/we understand
to proceed with the application on this basis.                     that neither the Lender or its agents, nor the valuers will
However, for the purpose of this application you may be            warrant, represent, or give any assurance to me/us that the
treated as financially linked and if you wish for your             statements, conclusions and opinions expressed or
application to be assessed with reference to any                   implied in the report and mortgage valuation are accurate
‘associated records’, please tick this box:                        or valid and that the report will be supplied without any
                                                                   acceptance of responsibility on their part to me/us.
‘For Joint Applicants’
                                                                   26. I/We understand that the Lender’s willingness to make
An ‘association’ between the joint applicants and/or any           an advance does not imply any representation about the
individual identified as your financial partner, will be created   value or condition of the property. I/We understand that
at Credit Reference Agencies, which will link your financial       the Lender’s valuation is not carried out for my/our benefit
records. You and anyone else with whom you have a                  and confirm that I/we have not relied on it.
financial link understand that each others information will
be taken into account in all future applications by either or
both of you. This linking will continue until one of you


  Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
27. I/We acknowledge that the Lender is entitled to make            valuer has been instructed, the application fee will be
such arrangements as they think fit with third parties to           refunded net of these costs. I/We further acknowledge
protect themselves against any failure by me/us to pay the          that once a valuer has been instructed, no refund of the
mortgage loan, and that such arrangements will be for the           application fee can be allowed unless otherwise stated in
Lenders’ benefit and not mine/ours. I/We authorise the              the product guidelines.
Lender or its agents to obtain such references or                   38. I/We authorise the Lender or the insurers to make
information as the Lender or its agents may deem                    any enquiries they believe necessary in connection with
necessary for purposes of confirmation, credit assessment           the arranging of buildings insurance cover and/or contents
and credit scoring from my/our employer[s], banker[s],              cover and/or mortgage indemnity
accountants, previous mortgage lender[s], landlords, credit
reference agencies, government bodies or such other                 39. I/We understand that the Lender or its agents will pass
parties as the Lender may consider appropriate.                     the information on this form and about any incident I/we
                                                                    may give details of to IDS Ltd. so that they can make it
28. I/We acknowledge that the Lender and their                      available to other insurers. I/We understand that, in
successors in title and assigns any firm to whom the loan           response to any searches the Lender or its agents make in
may be securitised to may in due course raise finance on            connection with this application or any incident I/We have
any mortgage they may make to me/us and may:                        given details of, IDS Ltd. may pass the Lender or its agents
a] transfer, assign, securitise or otherwise dispose of the         information it has received from other insurers about
benefits of such mortgage together with policies of life            other incidents involving anyone insured under the policy.
assurance and other related security securing it and I/we           40. Save as I/we may have disclosed in this application,
hereby consent to each such transfer or assignment;                 I/we confirm that:
b] enter into any contractual arrangements relating to the          a] I/we have not; and
funding of such mortgage with any person or Lender;
                                                                    b] I am/we are not aware that any of my/our family
c] pass any information contained in this application and           [permanently residing with me/us] or any joint purchasers
any supporting documentation which may hereafter be                 of the property have been cautioned, convicted of, or
provided or any other information relating to the property,         have any prosecution pending for any criminal offence
the mortgage, the security for the mortgage or the history          [other than a driving offence]. I/We acknowledge that
and conduct of my/our account to any interested or                  convictions regarded as “spent” under the Rehabilitation of
potentially interested person, who may rely upon the truth          Offenders Act 1974 need not be disclosed.
and accuracy of the information contained in this
application.                                                        41. Unless otherwise agreed with the Lender, I/we
                                                                    undertake not to let the property without the prior
29. If interest payments are collected from an account              written consent of the Lender.
which is not in the names of all borrowers, the payment
will be made for and on behalf of all joint borrowers               42. I/We have not arranged any other loan, second
named on this application.                                          mortgage or improvement grant in connection with the
                                                                    property.
30. I/We hereby authorise the Lender or its agents to
provide information relating to interest payments on the            43. No loans exist which are required to be, but are not,
mortgage account to the accountant detailed in this                 disclosed in this mortgage application.
application form and my/our accountant to provide                   44. I/We certify that my/our income[s] are sufficient to
information relating to any matter stated in this mortgage          meet the payments upon the mortgage that I am/we are
application to the Lender or its agents.                            applying for.
31. I/We hereby consent to the Lender or its agents                 45. I/We will pay the costs incurred by the Lender in
forwarding statements of account, or other such                     dealing with the application whether or not the loan is
communication to one or all of the borrowers and not to             completed.
each borrower individually.                                         46. The Lender shall be entitled to withdraw any offer of
32. I/We hereby authorise my/our solicitor to disclose to           advance at any time before completion of the mortgage
the Lender or its agents any information relevant to their          without explanation.
decision to lend and that I/we waive any right to claim             47. Where this application has been introduced by a third
solicitor/client confidentiality or legal privilege in respect of   party, that party is not an agent of the Lender and does
such information.                                                   not have the authority to commit the Lender to any
33. I/We accept that information given in this application,         binding agreement.
and any other information that I/we or my/our agents                48. I/We understand that Creative Mortgage Solutions is
provide to the Lender or is otherwise held by the Lender            not an agent of the Lender and does not have any
on me/us may be held on the computer and retained                   authority to commit the Lender to any binding agreement.
after my/our account is closed and may be shared with
the Lender or its agents to protect its customer against            49. I/We agree to be bound by and abide by the rules of
fraud.                                                              the Lender.
34. I/We acknowledge that the Lender or its agents may              50. I/We undertake to notify the Lender of any material
pass to third parties, with whom they make arrangements             change in my/our circumstances which does or may affect
to protect themselves against any failure by me/us to pay           the information herein, prior to any loans being made.
the mortgage loan, any information contained in this                51. All property insurance claims over a certain sum
application and this application itself together with any           [currently £5,000] will be paid through the Lender on
relevant supporting documentation to such third parties.            satisfactory evidence of restitution of the property.
35. From time to time the Lender may wish to contact                52. I/We consent to the Lender providing their acting
you regarding other products and services that may be of            Solicitors with the mortgage application form or a copy
interest to you. By ticking this box        I/we agree to           thereof.
receive details of products and services offered by the             53. I/We declare that the property will be used as my/our
Lender by mail, telephone, e-mail or fax.I/We understand            sole main residence and no part will be used for business
that if I/we do not wish to receive further information             purposes. I/We further undertake not to enter into any
regarding such services and products I/we may write to              letting arrangements without the prior consent of the
the Lender and its records will be amended accordingly.             Lender.
36. I/We accept that my/our name[s] and address[es] may             54. Loans must be secured on a first mortgage on a
be disclosed to market research organisations for the               residential property in England, Wales, Northern Ireland or
purpose of confidential market research on behalf of the            mainland Scotland.
Lender or its agents.
                                                                    55. I/We understand that any telephone calls and e-mails
37. I/We acknowledge that part of the application fee paid          to do with my/our application or mortgage may be
at outset defrays the cost of initial assessment of my/our          recorded and monitored for security, quality and/or
loan application and that, in the event that my/our loan            training purposes.
application is declined or does not proceed before the




 Y O U R H O M E M AY B E R E P O S S E S S E D I F Y O U D O N O T K E E P U P R E PAY M E N T S O N Y O U R M O R T G A G E
IMPORTANT: The Lender will consider your mortgage                     circumstances where such disclosure is necessary,
application based on the mortgage product you have                    including my/our insurers and the Lender’s insurers [if any],
selected and the information we supply to you before any              the mortgage broker, valuer or solicitor, or other agent
advance is made will relate to this product only.                     who introduced me/us, any sub-contractors and agents of
56. I/We confirm that I/we are complying with the terms               the Lender and any Lender for whom the Lender may be
of business set out on the Lender’s website.                          acting as agent and any other person having a legal right to
                                                                      the information. I/We understand that the Lender will keep
57. I/We acknowledge the way an interest only mortgage                this information confidential and it will only be shown to
works and that the balance of my/our mortgage will not                other parties in limited circumstances, namely; if it has to
reduce over the term of mortgage and it will be my                    do so by law; it is in the public interest or the Lender’s
responsibility to repay the loan from other sources at                interest to do so; the recipient is another member of the
maturity of the loan. [This applies only to applicants who            Lender’s group; or if I/we have given our permission.
are taking out an interest only mortgage].
                                                                      66. I / We understand that Creative Mortgage Solutions
58. I/We understand that an ‘Introducer Certificate’ must             will carry out an identification check on me/us and that
be fully completed and attached to every application to               the agency who Creative Mortgage Solutions will instruct
support the ‘Know Your Customer’ information which has                to carry out this check and who supply to Creative
been collected from myself/ourselves.                                 Mortgage Solutions with the results will record details of
59. I/We agree that details relating to this application and          the check whether or not my / our application proceeds.
my account with you once any mortgage commences,                      67. I / We understand that the lender may out source the
can be provided to the FSA to assist them in monitoring               administration of my / our mortgage account to a third
compliance.                                                           party. I /We authorise the lender to give, send and receive
60. I/We confirm that the declarations contained in this              information and personal data to / from any such third
application form shall continue in full force and effect              party for the purpose of administering my / our mortgage
notwithstanding the completion of any mortgage.                       account.
61. I/We will make all payments by direct debit. I/We                 68. I / We authorise Creative Mortgage Solutions to
understand that the amount I/we pay each month may                    instruct a provider of valuations to carry out a property
change or the date that I/we make my/our monthly                      valuation at my / our cost for Creative Mortgage Solution's
payments may change and that in either case the Lender                purposes and understand that subsequently any valuation
will give me/us notice in writing before this happens. On             report will not be made available to me / us. In certain
this basis I/we waive the normal fourteen days BACS                   circumstances, and for the certain lenders, I/we
notice requirement. I/We accept any arrangements made                 understand that the valuation of the property may be
by the Lender for any buildings insurance and authorise               assessed using statistical information, and in these
the deduction of monthly insurance premiums to be                     circumstances, a qualified valuer or provider of valuations
included in the monthly direct debit payable to the                   will not physically visit the property.
Lender.                                                               69. I / We understand that no liability whatsoever extends
62. I/We confirm that I/we have been made aware of any                to me / us in respect of the value or the condition of the
potential arrangement fees, and/or early repayment                    property.
charges payable on redeeming all or part of the mortgage              70. I / We agree that the lender may, without notice,
and any other costs in connection with this application.              transfer or assign, either in whole or in part any loan,
63. I/We have received and read the Initial Disclosure                mortgage or security for the repayment of any loan or
Document [IDD] and the Key Facts Illustration [KFI]                   mortgage made in connection with this application to its
provided to me/us by my/our mortgage intermediary in                  successors and assigns which include, without limitation, its
respect of this mortgage application.                                 legal and equitable assigns whether by way of absolute
64. I/We agree that where I/we borrow or may borrow                   assignment or by way of security only and those deriving
from the Lender, the Lender may give details of my/our                title under it or them. I/We understand that the lender
account and how I/we manage it to Credit Reference                    may provide details of my/our account to prospective
Agencies. If I/we borrow and do not repay in full and on              successors and/or assigns in order that they may conduct
time, the Lender may tell Credit Reference Agencies who               due diligence checks prior to any transfer taking place.
will record the outstanding debt.                                     I/We understand that such checks may involve my/our
                                                                      personal data being passed to third parties, including, but
65. I/We authorise the Lender to disclose information                 not limited to, credit reference agencies for the purpose
relating to this application and any agreement entered into           of quality analysis.
as a result of this application to all persons in the limited



 Fee deductions
 I/We authorise you to deduct the following fees from the total loan on completion
 Telegraph transfer fee                                                 Completion fee
 Local Authority search indemnity fee [remortgage only]                 Title insurance fee


   Other [please specify]


I/We understand that if I/we are found to have made any false statements or not fully disclosed any information required by
this form then this can result in my/our application being declined, any offer issued being cancelled by the lender [even if
contracts have been exchanged] and any loss of fees I/we have paid to date.



Ist Applicant Signature                                   Date         2nd Applicant Signature                            Date




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