Fillable Bridging Finance Individual application form (Complete FS)

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Bridging Finance Individual application form (Complete FS)

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1
Bridging Finance
Individual application form
Please conrm if this is associated to a 0% facility fee product Yes No
Fees
Is this application a Regulated
Yes No
Level of advice Advised Non-advised
Mortgage Contract? (Regulated Mortgage Contracts must always be advised)
Does your customer wish to add any of the following fees to the loan? (They should make a positive choice to do this)
Telegraphic transfer fee Yes No Facility fee Yes No Assessment fee Yes No
Do you intend to pass any of the procuration fee to the applicant(s)? Yes Part No If yes or part, how much £
Are you charging the applicant(s) an administration fee? Yes No If yes, how much £ When is this payable?
Is this fee refundable? Yes No If yes, how much is refundable? £ When is this refundable?
Are you charging the applicant(s) a broker fee? Yes No If yes, how much £ When is this payable?
Is this fee refundable? Yes No If yes, how much is refundable? £ When is this refundable?
Are you charging the applicant(s) a packager fee? Yes No If yes, how much £ When is this payable?
Is this fee refundable? Yes No If yes, how much is refundable? £ When is this refundable?
Intermediary details (customer facing)
Are you: Directly Authorised Appointed Representative Commercial Broker
Name
Your customer reference
Address (including postcode)
Email address
FCA registration number (if applicable)
Telephone number (including STD code) Conrm your Interim Permission number (if applicable)
Fax number (including STD code) Conrm your NACFB membership number (if applicable)
Network/Club details
(If you are an AR you must provide details of your network)
Packager details
Contact name Contact name
Company name Company name
Company address
(including postcode) Company address (including postcode)
Company telephone number (including STD code) Company telephone number (including STD code)
FCA registration number FCA registration number
Identification
The applicant(s) was interviewed face to face Yes No
We require the applicant to provide evidence of identity at the time of application. We will endeavour to carry out these checks electronically, however
if we are unable to do this we will need physical proof of identication. Please refer to our ‘Anti money laundering guidelines’ (which can be viewed at
www.precisemortgages.co.uk/Documentation) for details of documents that we will accept and an explanation of the electronic identication search
footprint.
Photocopy documents must be certied with the words ‘True copy of the original’ and clearly show the certifying person’s full name, and the name
of the organisation they represent (if any), together with a signature and date. Documents containing a photograph should also be certied with the
words ‘True likeness’.
Photocopy documents must be sent with the application to Precise Mortgages, PO Box 6037, Wolverhampton WV1 9QW.
IF FOR ANY REASON WE REQUIRE FURTHER DOCUMENTATION WE WILL LET YOU KNOW.
2
Broker declaration
By submitting this Application form to you, I:
Conrm that I am acting on behalf of the applicant(s) and have their permission to access their information and to supply it to you with this
application, and at any time during the life of the mortgage. I conrm that to the best of my knowledge and belief, the information contained in this
application is true.
Conrm that where the application is a Consumer Buy to Let, I have given adequate explanations in accordance with the requirements of
Schedule 2, paragraph 8, of the Mortgage Credit Directive Order 2015.
Conrm that I have read your ‘Anti money laundering guidelines’ (available at www.precisemortgages.co.uk/Documentation) and:
Original identication documents have been seen by myself;
Any associated photographs bore a good likeness to the individual;
Copies of the identication documents have been retained on my le.
Note that you may use information that you may already hold about the Applicants (including Guarantors) in assessing this application including
details about other properties which are mortgaged to you where they are the borrower or guarantor. I am aware, have made the Applicants
aware and they agree that as part of this application you may provide to me, on their behalf, details of those properties to conrm that the
information you hold about those is complete and accurate.
Conrm that, if I send this form to you by email or have requested that you provide me with information by email I have made the Applicants
aware of this, that email is not a secure medium and the content may be intercepted before it reaches the intended recipient.
Agree to your Short Term Lending Terms of Business (2016 Edition) on my and the Firm’s behalf. (The terms of business can be accessed from
pdf.precisemortgages.co.uk/01542_scl_terms_of_business.pdf)
Credit Decisions and Fraud Prevention Agencies
Note that:
The personal information you collect from me will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering
and to verify the identity of the applicant and any guarantor (Applicants). If fraud is detected, I or the Applicants could be refused certain services,
finance or employment. Further details of how my and their information will be used by you and these fraud prevention agencies, and my and their
data protection rights, can be found by contacting the Data Protection Officer at Precise Mortgages.
You will also supply Applicant’s personal information to credit reference agencies (CRAs) in order to process their application and they will give
you information about Applicants, such as about their financial history. You do this to assess creditworthiness and product suitability, check their
identity, manage their account, trace and recover debts and prevent criminal activity.
You will also continue to exchange information about Applicants with CRAs on an ongoing basis, including about their settled accounts and any
debts not fully repaid on time. CRAs will share their information with other organisations. Their data will also be linked to the data of their spouse,
any joint applicants or other financial associates.
The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at
www.equifax.co.uk/crain, www.experian.co.uk/crain or www.callcredit.co.uk/crain.
The details entered must be accurate and true to the best of my knowledge. If you suspect my or the Applicant’s involvement in fraudulent activity
you will take appropriate action against me and/or the Applicant.
Privacy Notice - Customer
Note that how you, credit reference and fraud prevention agencies use customer information, is set out in more detail in your
Summary Privacy Notice. You are providing this to me as the Applicant(s) representative and in order to allow you to lawfully progress their
application, you require conrmation that I, as the Applicant(s) representative, have provided a copy of the Summary Privacy Notice to each
of the Applicants, before you can lawfully proceed with their application.
Conrm that I have provided each Applicant with a copy of the Summary Privacy Notice.
Privacy Notice - Intermediary
Note that:
More information about how you and fraud prevention agencies use information you hold about mortgage intermediaries is contained in your
Intermediary Privacy Notice.
You may contact me about products and services offered by Precise Mortgages by post, electronic mail, telephone, SMS text messaging and any
other online or interactive media. If you do not wish to receive these then please send an email to marketing@precisemortgages.co.uk with the
subject line of ‘Unsubscribe’ from the above email address.
Broker signature Print name
Date
3
Please provide details of any other previous addresses that you have had in the last 3 years on the ‘Additional Information’ sheet, which
can be found at at the end of this document.
Current address - applicant 1
Address
Postcode
Residential status
Time at address
(applies to all applicants) Years Months
Current address - applicant 2
Address
Postcode
Residential status
Time at address
(applies to all applicants) Years Months
Personal details - applicant 1
Title (Mr/Mrs/Miss/Ms/Dr/Other)
If specied ‘Other’ please state
First name
Middle name(s)
Surname
Have you been known by any other
Yes No
name(s) in last 3 years? (maiden/alias)
If yes, previous rst name(s)
If yes, previous surname
Date of birth
Marital status
Home telephone
(including STD code)
Work telephone (including STD code)
Mobile telephone 1
Mobile telephone 2
Email address
Nationality
Current resident in the UK? Yes No
Length of residency in UK
(applies to all applicants) Years Months
National Insurance Number
Personal details - applicant 2
Title (Mr/Mrs/Miss/Ms/Dr/Other)
If specied ‘Other’ please state
First name
Middle name(s)
Surname
Have you been known by any other
Yes No
name(s) in last 3 years? (maiden/alias)
If yes, previous rst name(s)
If yes, previous surname
Date of birth
Marital status
Home telephone
(including STD code)
Work telephone (including STD code)
Mobile telephone 1
Mobile telephone 2
Email address
Nationality
Current resident in the UK? Yes No
Length of residency in UK
(applies to all applicants) Years Months
National Insurance Number
4
Applicant 1
Employment type (e.g. permanent, temporary, contract, not working, student)
Company name
Address
Postcode
Work telephone (including STD code)
Job title
Time with current employment/contract Years Months
Gross basic salary from employment per annum £
Gross overtime, bonus etc per annum £
Employment - Current employment
We require a minimum of 12 months’ employment history or 36 months if self-employed.
Please provide details of previous employment if the current employment is less than 12 months on the ‘Additional information’ sheet,
which can be found at the end of this document.
Income
It is important that you complete all relevant sections for each applicant to provide full details of their income (e.g. where one applicant is
both employed and self-employed, each individual section must be completed).
Applicant 2
Employment type (e.g. permanent, temporary, contract, not working, student)
Company name
Address
Postcode
Work telephone (including STD code)
Job title
Time with current employment/contract Years Months
Gross basic salary from employment per annum £
Gross overtime, bonus etc per annum £
Current residential mortgage details
If you have had more than one mortgage in the past 12 months, please provide details on the ‘Additional information’ sheet,
which can be found at the end of this document.
Applicant 1
Have you held a mortgage in the last 6 months? Yes No
Is the mortgage to be repaid? Yes No
Total amount of all other continuing non buy
to let/non self funding mortgages
£
Lender name
Current mortgage account number
Lender address
Postcode
Telephone number
(including STD code)
Fax number (including STD code)
Applicant 2
Have you held a mortgage in the last 6 months? Yes No
Is the mortgage to be repaid? Yes No
Total amount of all other continuing non buy
to let/non self funding mortgages
£
Lender name
Current mortgage account number
Lender address
Postcode
Telephone number
(including STD code)
Fax number (including STD code)
5
Financial commitments - applicant 1 Financial commitments - applicant 2
Total balance of credit outstanding after completion £ Total balance of credit outstanding after completion £
Total ongoing monthly unsecured credit commitments £ Total ongoing monthly unsecured credit commitments £
Total ongoing monthly secured commitments £
(excluding mortgage)
Total ongoing monthly secured commitments £
(excluding mortgage)
Ongoing monthly maintenance, alimony or £
CSA payments
Ongoing monthly maintenance, alimony or £
CSA payments
Number of dependents under the age of 18 Number of dependents under the age of 18
Number of dependents over the age of 18 Number of dependents over the age of 18
Are you aware of any changes to your income
or expenditure that would affect your ability Yes No
to repay the mortgage?
Are you aware of any changes to your income
or expenditure that would affect your ability Yes No
to repay the mortgage?
If yes please give details If yes please give details
Accountant details - applicant 1 Accountant details - applicant 2
Firm name Firm name
Firm address Firm address
Postcode Postcode
Telephone number
(including STD code) Telephone number (including STD code)
I conrm that the Accountant has one of the qualications detailed in
the criteria guide available at www.precisemortgages.co.uk/Bridging
I conrm that the Accountant has one of the qualications detailed in
the criteria guide available at www.precisemortgages.co.uk/Bridging
Gross other income - applicant 1 Gross other income - applicant 2
Please provide details of other gross income that has not been declared in the employed and self-employed sections (e.g. pensions and
investments) on the ‘Additional information’ sheet at the end of this document.
Self-employed - applicant 1 continued Self-employed - applicant 2 continued
Company name Company name
Nature of business Nature of business
Self-employment type
Sole trader Partner Director
Self-employment type
Sole trader Partner Director
Address Address
Postcode Postcode
Work telephone (including STD code) Work telephone (including STD code)
Mobile telephone Mobile telephone
Date started Date started
Last 2 years’ net prot £ Year Last 2 years’ net prot £ Year
£ Year £ Year
% share of business % share of business
Any other annual income? Yes No Any other annual income? Yes No
6
Credit history - applicant 2
Have you ever been bankrupt/sequestrated? Yes No
If yes, has it been discharged or cleared? Yes No
Date of discharge Month Year
Have you ever entered into an IVA or
made arrangements with creditors?
Yes No
If yes, has this been satised? Yes No
Date of satisfaction Month Year
Any defaults registered in last 36 months Yes No
- If yes, date of most recent default Day Month Year
- Total amount of defaults registered
in last 36 months £
- Number of defaults registered in last 36 months
Property repossessed in last 6 years Yes No
If yes, please state the date of repossession
Any CCJs registered in last 36 months Yes No
- Date of most recent CCJ Day Month Year
- Total amount of CCJs registered in last 36 months £
- Number of CCJs registered in last 36 months
Any missed mortgage or secured loan
Yes No
payments in the last 36 months?
- If yes, number in last 12 months
- Number in last 36 months
The highest number of missed payments on any
mortgage or property rental in the last 12 months
Number of missed monthly payments on any
unsecured credit in the last 12 months
Have you ever been convicted of theft,
fraud or dishonesty? Yes No
If yes, please state the date of conviction
Nature of conviction
Length of sentence (including suspended)
Credit history - applicant 1
Have you ever been bankrupt/sequestrated? Yes No
If yes, has it been discharged or cleared? Yes No
Date of discharge Month Year
Have you ever entered into an IVA or
made arrangements with creditors?
Yes No
If yes, has this been satised? Yes No
Date of satisfaction Month Year
Any defaults registered in last 36 months Yes No
- If yes, date of most recent default Day Month Year
- Total amount of defaults registered
in last 36 months £
- Number of defaults registered in last 36 months
Property repossessed in last 6 years Yes No
If yes, please state the date of repossession
Any CCJs registered in last 36 months Yes No
- Date of most recent CCJ Day Month Year
- Total amount of CCJs registered in last 36 months £
- Number of CCJs registered in last 36 months
Any missed mortgage or secured loan
Yes No
payments in the last 36 months?
- If yes, number in last 12 months
- Number in last 36 months
The highest number of missed payments on any
mortgage or property rental in the last 12 months
Number of missed monthly payments on any
unsecured credit in the last 12 months
Have you ever been convicted of theft,
fraud or dishonesty? Yes No
If yes, please state the date of conviction
Nature of conviction
Length of sentence (including suspended)
Credit history - applicant 2
7
Loan details
Type of Security First charge Second charge
Loan Requirements
Scheme Standard bridging Light refurbishment Heavy refurbishment
Reason for loan
Repayment type Monthly payments Retained interest
(Regulated Mortgage Contracts must be retained interest)
Loan type Purchase Renance
Will the property be let? Yes No N/A
Do any of you or an “immediate family member” live in or intend to live in the property? Yes No N/A
Is the loan wholly or predominantly for the purposes of a business carried on, or intended to be carried on, by all
of you?
Yes No N/A
Have any of you or an “immediate family member” ever lived in the property or did any of you inherit it? Yes No N/A
Do any of the applicants currently own buy to lets other than the property, or any additional security?
If yes, total number of other Buy to Let mortgaged properties owned by the applicants
(excluding properties on any new Precise Mortgages applications).
Yes No N/A
If there is an additional security, do any of you or an “immediate family member” live in or intend to live there? Yes No N/A
If there is an additional security, have any of you or an “immediate family member” ever lived in the additional
security or did any of you inherit it?
Yes No N/A
Will any additional security be let? Yes No N/A
Total purchase price / estimated value £ Total open market value £
If purchase price is less than the open market value, please provide further explanation here
Total advance required (exclusive of fees / retained interest payments) £
Term in months (12 months maximum for Regulated Mortgage Contracts)
Will any additional security be available? Yes No If yes, what is the available equity?
Buy to let and other loans for business purposes
If the loan is an unregulated buy to let or an other loan for business purposes, our offer, (which if your application is to proceed you will be required to
agree to) will include a declaration that:
› the mortgage is wholly or predominantly for the purpose of a business carried on or intended to be carried on by me/us;
› I/we will not benet from the protection and remedies that would be available to you under the Mortgage Credit Directive Order 2015 (the Order) or
the Financial Services and Markets Act 2000 (the Act);
› I/we are aware that if you are in any doubt as to the consequences of the agreement not being regulated by the Order or Act, then you should seek
independent legal advice.
8
Loan information
Number of properties to be secured in this advance.
If more than 1 property, please complete an ‘Additional property details’ form for each property (which can be found at
www.precisemortgages.co.uk/Documentation) and include with this form.
Total purchase price £
Total open market value £
If purchase price is less than the open market value, please explain the reason
Total advance required (exclusive of fees/retained interest payments) £
Term in months (12 months maximum for Regulated Mortgage Contracts)
Product applied for F ixed rate of % per month.
Expected completion date (earliest date) Day Month Year
Is the property being purchased from a business in which the applicant or any director has an element of ownership or interest? Yes No
Is this a private sale? Yes No
Is the applicant or any director related to the vendor? Yes No
Source of deposit
Loan information
Refinance details
Is there a current mortgage on the property? Yes No
Lender
Date of purchase Day Month Year
Total amount of mortgage being replaced £
If renance, what is the purpose of loan?
Amount of debt being repaid from this loan (other than an existing mortgage secured on the property) £
Purpose of any capital raising
Additional security
Will any additional security be available? Yes No
Number of properties
Available equity
(i.e. current value less outstanding mortgages)
If additional security is available please complete the ‘Additional security form’ and the ‘Assets and liabilities form’ which can be found at
www.precisemortgages.co.uk/Documentation, and include with this application.
9
Property details
Purchase price (individual property) £
Open market value (individual property) £
Property address
Postcode
Type (e.g. house, terraced house etc)
Number of storeys (ats only) Floor number (ats only) Number of bedrooms
Tenure
Remaining term of lease (where applicable)
Property’s current use
Construction type
Year built/converted Year
Is the property ex-Local Authority? Yes No
If yes, is the property subject to pre-emption? Yes No
Is the property in the course of construction? Yes No
Is planning permission required and obtained? Yes No
Is the property in a nished condition (i.e. ready to sell or rent)? Yes No
If no, please complete ‘Schedule of works’ form which can be found at www.precisemortgages.co.uk/Documentation and include with this application.
Exit strategy - please tick all that apply
Sale Renance Maturity of endowment plan
Maturity of pension plan Maturity of savings plan Other
Please provide full details (continue on the ‘Additional information’ sheet at the end of this document if required).
Access details
Contact name / company
Contact telephone number (including STD code)
Contact details for payment of valuation fee
Contact name
Contact telephone number(s) (including STD code)
10
Conveyancer Panel
Please conrm the jurisdiction for this application below.
England and Wales Scotland
What option for legal representation has your customer chosen?
(Further details of our conveyancing options can be viewed here: www.precisemortgages.co.uk/Bridging/Conveyancer)
You, the borrower, are responsible for paying all the conveyancers’ fees, costs and disbursements including the fees of the conveyancer acting for us
in connection with the bridging nance.
The conveyancing fees quoted in any illustration are estimates only for the conveyancing work (excluding disbursements). The total cost of the
conveyancing work may be higher and you should obtain a detailed quotation from both the conveyancer acting for you, and any conveyancer acting
for us if we instruct a different rm to act for us.
1. Joint Representation – Preferred Panel 2. Separate Representation
(Please go to question A) (Please go to question B)
A If your customer has chosen Joint Representation with a member of our Preferred Bridging Finance Conveyancer Panel, please
indicate which rm they have chosen by ticking the relevant box below.
England and Wales
GW Legal 0345 3733737 www.goldsmithwilliams.co.uk 4th Floor, 20 Chapel Street, Liverpool, L3 9GW
Gordons Property Lawyers 01628 308380 www.gplawyers.co.uk SC House, Vanwall Road, Maidenhead, Berkshire, SL6 4UB
JMW 03458 726666 www.jmw.co.uk 1 Byrom Place, Manchester, M3 3HG
Lightfoots 01844 212305 www.lightfoots.co.uk 1-3 High Street, Thame, OX9 2BX
Ratio Law 01614 649540 www.ratiolaw.co.uk Hanover House, 30-32 Charlotte Street, Manchester, M1 4FD
Scotland
Aberdein Considine 0333 0066113 www.acandco.com 7 - 9 Bon Accord Crescent, Aberdeen, AB11 6DN
B If your customer has chosen Separate Representation please complete the information below.
Please conrm the details of the conveyancer that your customer has chosen to represent them.
Name of rm
Name of acting conveyancer
Address (including postcode)
Please conrm the member of our Preferred Bridging Finance Conveyancer Panel that your customer has chosen to represent Precise Mortgages by
ticking the relevant box below.
England and Wales
Blacks Solicitors LLP 01132 070000 www.lawblacks.com City Point, 29 King Street, Leeds, LS1 2HL
Fieldsher 01618 358010 www.eldsher.com 5th Floor Free Trade Exchange, 37 Peter Street, Manchester, M2 5GB
GW Legal 0845 3733737 www.goldsmithwilliams.co.uk 4th Floor, 20 Chapel Street, Liverpool, L3 9GW
Gordons Property Lawyers 01628 308380 www.gplawyers.co.uk SC House, Vanwall Road, Maidenhead, Berkshire, SL6 4UB
JMW 03485 726666 www.jmw.co.uk 1 Byrom Place, Manchester, M3 3HG
Lightfoots 01844 212305 www.lightfoots.co.uk 1-3 High Street, Thame, OX9 2BX
Ratio Law 01614 649540 www.ratiolaw.co.uk Hanover House, 30-32 Charlotte Street, Manchester, M1 4FD
Scotland
Your Conveyancer
Remortgages:
0344 5767777
Purchases:
0344 5767755
www.yourconveyancer.co.uk 87 High Street, Dunfermline, KY12 7DR
Aberdein Considine
0333 0066113
www.acandco.com 7 - 9 Bon Accord Crescent, Aberdeen, AB11 6DN
11
Credit Reference Agencies and Fraud Prevention Agencies
The personal information we have collected from you will be shared with
fraud prevention agencies who will use it to prevent fraud and money-
laundering and to verify your identity. If fraud is detected, you could be
refused certain services, nance or employment.
We will also supply your personal information to credit reference agencies
(CRAs) in order to process your application and they will give us information
about you, such as about your nancial history. We do this to assess
creditworthiness and product suitability, check your identity, manage your
account, trace and recover debts and prevent criminal activity.
We will also continue to exchange information about you with CRAs on an
ongoing basis, including about your settled accounts and any debts not fully
repaid on time. CRAs will share your information with other organisations.
Your data will also be linked to the data of your spouse, any joint applicants
or other nancial associates.
The identities of the CRAs, and the ways in which they use and share
personal information, are explained in more detail at www.equifax.co.uk/crain,
www.experian.co.uk/crain or www.callcredit.co.uk/crain
Privacy Notice
Our Summary Privacy Notice contains information on how we, credit
reference agencies and fraud prevention agencies use your personal
data and on your data protection rights. This has been provided to your
mortgage/credit intermediary on your behalf, they should have provided this
to you but if they have not please contact us and we will send you a copy.
Interpretation
In this Standard Declaration the words “You”, “Charter Court Group” and
“We” have the meanings given to them in the Privacy Notice.
In addition the words in bold text have the following meanings :
“Applicant” means You and if there is more than one of You, references to
“You” and “Applicant” are to each or any of You individually, as well as to
each and every one or more of You together jointly.
“Application” means Your request for a Decision in Principle and/or
Application for the Loan including the Standard Declaration, the Application
Form and any accompanying or supporting documentation that You provide
now or in the future or any information We hold about You and We provide
to You or Your mortgage intermediary in connection with the Application to
conrm its completeness and/or accuracy.
“Loan” means any Loan We may provide to You.
“Property” means the property or properties which are or are intended to
be security for the Loan.
Important – please read
When You sign this declaration, You certify that the statements and
particulars given below and all the information given in your Application
are true and complete. We will rely on these statements, particulars and
that information when making any Mortgage Offer.
General
You conrm and agree that:
1) You are aged 18 (or in the case of a second charge loan, 25) or over.
2) For limited companies:
(a) each of the signatories below is a director duly authorised to
make this Application and has completed or fully read the
contents of the Application, and
(b) You have the power to borrow the money applied for and to
mortgage the Property.
3) The information You give in the Application, whether completed
personally by You or not, is true and accurate in all respects. If any
such information is incorrect, You will make good any loss We may
suffer by acting in reliance on that information.
4) Your income is as stated in the Application and is sufcient to
support the payments required to sustain the Loan requested.
5) You are aware of the monthly payments for the Loan and that You
can afford these.
6) You will supply any additional information that We may require in
order to proceed with the Application.
7) You have the agreement of any joint Applicant or third party
to disclose and use their information for the purposes of
this Application.
8) You authorise your mortgage/credit intermediary and your rst charge
lender to disclose to Us information about You and this Application
both before and after completion of the Loan.
9) You do not have any other outstanding credit facilities which are not
disclosed with this Application.
10) You have never been adjudged bankrupt or insolvent or been
sequestrated or entered into any arrangements with creditors or had
civil or criminal proceedings of any kind issued against You other
than as specied in this Application. If proceedings have been, or
are being, issued, You will supply full details to Us.
11) You have read and considered the Illustration about the particular
product You have chosen, and/or have been advised to apply for
by your mortgage/credit intermediary or other adviser. We are not
responsible for any advice given or recommendation made by an
intermediary or other adviser about the product You have chosen.
12) You will notify Us promptly of any changes which have, or are likely
to have, an effect on the continuing accuracy of the particulars in
this Application and which may affect Our willingness to provide the
Loan.
13) The information in this Application and Standard Declaration may
be relied on by Us and any other person or body in whom the benet
of all or any of the Loan, mortgage, or security is from time to time
vested.
14) Any solicitor acting for You may disclose to Us any information or
documentation that We ask for about the transaction or the Property
which is the subject of this Application and You waive any duty of
condentiality or privilege which may otherwise exist in relation to
this Loan transaction.
15) From time to time We may mortgage, sell, transfer, assign, charge
or otherwise dispose of, in whole or in part, any Loan, mortgage, or
other related security to any person or organisation (a “Disposal”)
You agree to each such Disposal that We may make and You agree
that We may do this without giving notice to You. You agree that
a Disposal for this purpose typically involves Us transferring all or
some of the rights that We have under the Loan, or the related
security to another person or organisation.
16) If You provide a personal guarantee, You agree to guarantee the
Loan applied for in the terms of our standard Deed of Guarantee.
17) We are entitled to withdraw before completion any Mortgage Offer
should You (or anyone else) falsify any information supplied in this
Application or for any other reason set out in the Mortgage Offer or
our General Mortgage Conditions. If We withdraw an offer, We can
do this immediately and without telling You, but We will notify You
about the withdrawal of Our Mortgage Offer if We reasonably can.
18) It is an offence to knowingly make a false, inaccurate or misleading
declaration when applying for a Loan.
19) If You make a false declaration, You may face criminal prosecution
and/or civil action for recovery of any losses incurred by us.
20) If the Loan is not for your benet, You must take independent legal
advice and will do so if asked to, and before You enter into any Deed
of Guarantee.
21) We may decline to make You a Mortgage Offer.
22) Our Loans are subject to valuation and status.
23) If two or more of You are making this Application, each of You is
individually and jointly responsible for all obligations in relation to the
Loan.
24) We will require You to conrm your income and We may request this
information from You.
25) We accept no responsibility for any representations made by any
employee, agent or any other person unless these are incorporated
in the Mortgage Offer or are subsequently conrmed by Us in writing.
26) If You agree to guarantee the Loan, You are aware that by giving a
guarantee, You will be held liable to Us instead of, or as well as, the
borrower or customer to the extent of the guaranteed amount. The
extent of the guarantee will include all costs and interest outstanding
on the Loan at any time as well as the loan amount.
27) You agree that if the Property is sold leaving a balance outstanding
on the Loan, You will be liable for the difference between the sale
price of the Property and the amount outstanding or to the extent of
your guarantee.
28) It is your responsibility to ensure that You have suitable means of
repayment in place to repay the Loan in the event of Your death or at
the end of the term of the Loan.
Standard Declaration
12
Valuation
We will obtain a valuation of the Property offered as security for our
purposes. We will obtain a valuation only to enable Us to assess the amount
of the Loan, if any, which We are prepared to make on the Property and
that valuation does not give You any rights against Us or any other person.
We will choose a valuer from Our panel of valuers and will obtain a valuation
report from the valuer for Our purposes. It is Your responsibility to obtain an
independent valuation or advice before You proceed to completion of the
Loan or the purchase of the Property. We give no warranty, representation
or assurance that the statements, conclusions and opinions, expressed or
implied, in any valuation report You obtain are accurate, valid or complete
or that the Property is free from defects or worth at least the amount of the
Loan or that (where relevant) the purchase price is reasonable.
Insurance
As a condition of your Loan, You must have adequate buildings insurance
for the Property in place at exchange of contracts or conclusion of missives
(for house purchases) and completion (for remortgages or secured loans )
and ensure that it continues at all times to be insured.
You are not required as a condition of your Loan to have any other
insurance but You might like to consider taking out insurance to cover
other circumstances that might arise, such as death, accident, illness or
unemployment. Your payments will not be protected in the event of death,
accident, sickness, unemployment or other similar circumstance unless
You arrange Your own insurance for this.
Your Loan Payments
By signing this Declaration, You agree that:
1) You will repay the Loan in accordance with the conditions specied
in your Mortgage Offer and General Mortgage Conditions.
2) We may add to your rst monthly payment, interest from the date
of completion of your Loan to the end of that month unless Your
Mortgage Offer states otherwise (not applicable where the Loan is
secured by a second charge).
3) We may take other payments by Direct Debit with Your agreement
which may be given by telephone or in writing.
Keeping you Informed
We may contact you about products or services offered by Charter Court
Financial Services Limited by post, electronic mail, telephone, SMS text
messaging and any other online or interactive media.
If You would not like Us to contact You about other products and
services by the means outlined above You should tick here.
Costs and Fees
Any valuation and assessment fee payable by You covers Our costs for
assessing the Application and value of the Property. If We accept this fee,
We are not obliged to offer or make a Loan to You. The Illustration will set
out the whether these fees are refundable.
Please tick below if you wish any of the fees stated to be added or
deducted from the Loan. If You do not indicate that You wish the fees to
be added or deducted then these and any other fees must be paid from
Your own funds.
The only fees You must pay us for this Application are contained in the
literature about the particular Loan that You are applying for. Any other fees
that You pay to any third party are paid not as a condition of submitting this
Application or as a condition of obtaining the Mortgage Offer (if made).
First Charge
(Residential
& Buy to Let) Bridging Loan
Second Charge
(Residential & Buy to Let)
Product Fee Facility Fee Product Fee
Telegraphic
Transfer Fee
Broker Fee Credit Intermediary Fee
Packager Fee Telegraphic Transfer Fee
Assessment Fee Broker Administration Fee
Telegraphic
Transfer Fee
Broker Completion Fee
Mortgage Questionnaire Fee
Packager Fee
Valuation Fee
Broker Assessment Fee
Add
Add
Deduct
Add
Applicant 2
Print Name
Signature
Date
Applicant 1
Print Name
Signature
Date
Mortgage Account number
Name of account
I/We authorise [Insert name of mortgage lender] to supply to Precise Mortgages any
information relating to my/our mortgage with you, in connection with my/our application and at any time during the life of the mortgage.
Signed Date
Signed Date
00351 (14.4)
We can provide literature in large print, Braille and audio tape. Please ask us for this leaet
in an alternative format if you need it.
Precise Mortgages is a trading name of Charter Court Financial Services Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority (Financial Services Register Firm Reference Number 494549). Registered in England and Wales with company
number 06749498. Registered ofce: 2 Charter Court, Broadlands, Wolverhampton WV10 6TD.
13
14
Broker name
Applicant(s) name
If you need to enter any additional information to support this case please enter it here.
Question Details
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Bridging Finance Individual application form (Complete FS)

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Completed 5 April 2021

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