Standard Declaration - Precise Mortgages

1 Standard Declaration Important please read When You sign this Declaration You certify that the statements and 14) The information in this Application and Declaration may be relied on particulars given below and all the information given in your Application are by us and any other person or body in whom the benefit of all or any true and complete. You understand that We will rely on these statements, of the Loan, mortgage, or security is from time to time vested. particulars and that information when making any Mortgage Offer. You 15) We (or the mortgage/credit intermediary on our behalf) may disclose consent to the use of your information in accordance with this Declaration your information to and make any enquiries and searches and and the Guide to the use of your personal and business data and Credit obtain any references and information that We consider necessary Reference and Fraud Prevention Agencies.

2 Of persons, including but not limited to your mortgage/credit intermediary, tax authorities, past/ present employers, landlords, Interpretation accountants, building societies, lenders, insurers, bankers, HMRC, We or the Lender or the Creditor means Charter Court Financial the Benefits Agency, Fraud Prevention Agencies, Companies House Services Limited, and anyone who becomes entitled to the Lender's or the and Credit Reference Agencies (who will keep a record of searches Creditor's rights under any loan We make to You or any mortgage for that made) as We consider necessary to confirm the truth and accuracy loan and words such as our, us etc.

3 Should be read in the same way. of the information in this Application. You agree and consent to us You and Applicant means the person(s) intended to be and named making enquiries of the persons listed above and authorise such as the borrower or customer in the mortgage deed, the officers of a limited persons to disclose to us any information We require from them. You company, guarantors and anyone getting any title or interest in the property also agree that We may share information about You and the conduct through the borrower or customer as applicable and words such as your, and operation of your Loan during its term and after it is repaid where yours etc.

4 Should be read in the same way. If there is more than one of You, we have a duty to do so or if the law allows us to do so, to our references to You are to each or any of you individually, as well as to each regulators and with third parties, including any of the above, any adult and every one or more of you together jointly. occupiers of the property, any intended guarantor, investors, funders Application means your application for the Loan including this Standard or their advisors, potential investors or funders, ratings agencies. Declaration , the application form and any accompanying or supporting 16) Any solicitor acting for You may disclose to us any information or documentation that You provide now or in the future or any information we documentation that We ask for about the transaction or the property hold about You and we provide to You or Your mortgage/credit intermediary which is the subject of this Application and You waive any duty of in connection with the Application to confirm its completeness and/or confidentiality or privilege which may otherwise exist in relation to accuracy.

5 This Loan transaction. Loan means any Loan we may provide to You. 17) We may periodically submit information to Credit Reference Agencies and Fraud Prevention Agencies during the term of your Loan who General in turn will provide information to us on which We may base future You confirm and agree that: lending and arrears management decisions, use to administer your 1) You are aged 18 (or in the case of a second charge loan, 25) or over. account and for analysis and statistical purposes. 2) For limited companies, (a) each of the signatories below is a director 18) We may record and monitor telephone conversations between You duly authorised to make this Application and who has completed or and us at our discretion, for security, quality and/or training purposes.

6 Fully read the contents of this Application and (b) You have the power 19) From time to time We may mortgage, sell, transfer, assign, charge to borrow the money applied for and to mortgage the property(ies) or otherwise dispose of, in whole or in part any Loan, mortgage, or proposed as security referred to in this Application. other related security to any person or organisation (a Disposal ). 3) The information You give in this Application whether completed You agree that any Disposal may be in law or in equity and may be by personally by You or not is true and accurate in all respects. If any way of absolute assignment or by way of security only.

7 You agree to such information is incorrect You will make good any loss We may each such Disposal that We may make and You agree that We may suffer by acting in reliance on that information. do this without giving notice to You. You agree that a Disposal for this 4) Your income is as stated in the Application and is sufficient to support purpose typically involves us transferring all or some of the rights that the payments required to sustain the Loan requested. We have under the Loan, or the related security to another person or 5) Your information will be used to assess affordability of the Loan and organisation.

8 You agree that We may provide information about your You are aware of the monthly payments for the Loan and that You (i) Application and any supporting documentation, (ii) Loan and any can afford these. related security, (iii) any other information relating to the property, (iv). the history and conduct of your account, including statistical analysis 6) You will supply any additional information that We may require in of your current circumstances and (v) any other relevant information, order to proceed with the Application. to any person or organisation who does, or who we believe wishes to, 7) You consent to a mortgage/credit intermediary acting for You in your enter into such a Disposal or who does or wishes to fund or otherwise Application and where You have given information to your mortgage/ be involved in such a Disposal.

9 We may provide that information at credit intermediary, You consent to your details being manually input any time, including prior to on or after any Disposal. You agree that and subsequently transmitted electronically. We may also provide such information to Credit Reference Agencies 8) You have the consent of any joint Applicant or third party to disclose and Fraud Prevention Agencies for the purpose of quality analysis, and use their information for the purposes of this Application. or to any purchaser or potential purchaser of Us or any person 9) We may liaise with your mortgage/credit intermediary and (where who does or wishes to fund or otherwise be involved in any such we are proposing to lend by way of second charge) your first charge purchase, or to any person who was previously the Lender.

10 Lender as necessary unless You otherwise inform us in writing and 20) If You provide a personal guarantee You agree to guarantee the You authorise your mortgage/credit intermediary and your first charge Loan applied for in the terms of our Standard Deed of Guarantee. lender to disclose to us information about You and this Application You agree that: both before and after completion of the Loan. 21) We will be entitled to withdraw before completion any Mortgage Offer 10) You do not have any other outstanding credit facilities which are not should You (or anyone else) falsify any information supplied in this disclosed with this Application.