Application Form

The Finance CentreMortgage Application

To prevent delays in your mortgageapplication please complete all partsof the form

INTRODUCER DETAILS

Company Telephone

Fax Email

Address

Contact

FSA registration no. CCL No.

Appointed representative? Y N Directly authorised? Y N

Network Network reference no.

Level of advice? Advised aale Non-advised sale

PRODUCT REQUIRED

Lender name Product required

Initial interest rate (%) Rate period

Purchase Remortgage Right to Buy Buy to Let Let to Buy

Shared ownership? Y N

Purchase price £ Loan amount £ Loan to value %

Full Status Self Cert Employed Self-employed

REASON FOR SELF CERTIFICATION

Various source income Self-employed Contractor

Speed of service Investment income Other (Specify Below)

THE FINANCE CENTRE / MORTGAGE APPLICATION FORM Your home may be repossessed if you do not keep up repayments on your mortgage

APPLICATION DETAILS

Added to loan Refundable Details (If Yes)

£ Y N

£ Y N

£ Y N

£ Y N

£ Y N

£ Y N

Please provide details of all other fee(s) payable

Please confirm the amount of procuration fee to be paid to the advisor

Name(s) of any other firm(s) involved in arranging the mortgage

Fees to any other firm(s) involved in arranging the mortgage

APPLICATION FEE DETAILS

Cheque Card Visa Maestro Mastercard

Name of cardholder Card number

Expiry date Issue number (Maestro)

I / we authorise you to debit my / our account

Signature Signature

Date Date

ADVISOR DECLARATION

I hereby certify full details and a KFI for the product(s) specified has been provided to all the applicants prior to submission.

Signature Signature

Date Date


PERSONAL DETAILS

Title (Mr, Mrs, Ms, Other)

Surname

Forename

Previous / maiden name

Relationship to joint applicant

Marital status

Date of birth

Nationality

Do you have the right to reside in the UK Y N Y N

National insurance number

Home telephone

Mobile telephone

Email

Number and age of dependants

Current address

Residence length?

Previous address

Residence length?

Please include last three year of addresses in the ʻAdditional Informationʼ section


INCOME DETAILS EMPLOYED

Name of employer

Address

Work telephone

Position held

Nature of business

Perm / temp / contract / retired

When does contract expire?

Length of service

Payroll number

Tax district / reference number

Referee

Company shareholding % %

Basic gross income £ £

Overtime / bonus / commission £ £

Guaranteed Y N Y N

Other income £ £

Total annual gross income £ £

INCOME DETAILS SELF EMPLOYED

Company name

Company address

Nature of business


INCOME DETAILS SELF EMPLOYED (CONTINUED)

Is the business a limited company / sole trader Y N Y N

If ‘Yes’ please give details

Company registration number

VAT number

Telephone

Fax

Length of self employment?

Shareholding level?

Accountant name

Address

Telephone

Accountants qualifications

How long have they been acting for you? Years Years

Person acting

Your share of (last 3 years) net profit £ £

£ £

£ £

Total gross income £ £

I / we certify that if I/we have applied for a product which either does not require me/us to disclose my / our income, or which permitsme/us to self-certify my/our income. I/we understand my/our obligations and I/we have sufficient income to support the loan requested,and if applicable, that the income declared is a true assessment of my/our total income. I / we can confirm that I/we have had sight of theKEY FACTS ILLUSTRATION (KFI) and I am/we are aware of, and can afford the current and estimated future payments.

Signature Signature

Date Date


PRESENT ACCOMMODATION

Name of lender / landlord

Address of lender / landlord

Account reference number

In whose name is the mortgage / tenancy held

Date mortgage / tenancy commenced

Original amount borrowed £ £

Current amount outstanding £ £

Current monthly mortgage / rental payments £ £

Is the current mortgage to be redeemed? Y N Y N

Has the mortgage / tenancy been assisted by housing benefits in the last 12 months

Y N Y N

Do you own / part own any other property or are you party to another mortgage (if yes give details)

Y N Y N

Name of previous lender / landlord

Address of previous lender / landlord

Account/reference number

In whose name was this mortgage held

Date mortgage/tenancy commenced

Original amount borrowed £ £


CREDIT HISTORY

Please give monthly amounts of any maintenance, student loans or IVA payments £ £

Have you ever been in arrears with mortgage/rent repayments in the last 24months Y N Y N

Number of monthly repayments missed in the last 12 months (State if and when cleared) Y N Y N

Have you ever been made bankrupt Y N Y N

Have you ever entered into an IVA Y N Y N

Have you ever had a county court judgement registered against you Y N Y N

Have you ever had a default registered against you Y N Y N

Have you ever had a mortgage application declined Y N Y N

Do you have a conviction for any offence or have a prosecution pending other than for Y N Y N

OTHER OUTGOINGS

Lender Amount Outstanding Monthly Payment Loan Purpose Secured (Y/N) Missed Payments


PROPRTY DETAILS

Address of Property to be Mortgaged

Tenure Freehold Leasehold Feuhold

Property type House Bungalow Maisonette Flat

Description Detached Semi Terraced Conversion

State number of Reception Bedrooms Bathrooms Kitchens Toilets

State number of floors

Is the property of standard construction? Y N

Will the property be your main residence? £

Is the property ex-local authority / housing association? £

is the property near commercial premises? Y N

If ‘Yes’ please decribe the commercial premises nearby

Is the property to be used for purposes other than living? Y N

If ‘Yes’ please give details

Give the details of all people over 17 living at property

Name Age Relationship

Will the applicants occupy property within thirty days of completion? Y N

If ‘No’ please give details


LOAN REQUIRED

Amount of loan required £ Term Years

Repayment method Repayment Interest Only

How is interest only loan to be repaid Savings Endowment Pension Investment Property Sale Other

Does the loan extend into your retirement Applicant 1 Y N Applicant 2 Y N

What is the loan purpose House Purchase Remortgage

Residence type Main Investment

Credit limit required £

PURCHASE

Purchase price £

Estimated value £

Is the property being purchased from family? Y N

Is the property subject of a deed of gift? Y N

First time buyer? Y N

Selling an exisiting property? Y N Sale Price £

If ‘No’ what are your intentions?

Deposit source?

Are other funds being borrowed? Y N

Will these funds be secured against the property? Y N

Name of selling agent

Address of selling sgent

Telephone number of selling agent


IF PURCHASE

Vendor name

Vendor address

Vendor telephone number

Private sale Y N Y N

IF REMORTGAGE

Estimated property value £

Original purchase price and date of purchase £

Original borrowed amount £

How will the monies raised be used Existing mortgage £

Repay loans £

Home improvements £

Other £

Total £

BANK DETAILS

Bank name

Numbers of years account has been held Years Years

Account holder

Address

Account number

Sort code

SOLICITORS DETAILS

Firm name person acting

Number of partners


INSURANCE

Ever been convicted of, or are currently being charged with any criminal offence other than driving Y N

Had any home or personal insurance declined, cancelled or had any special terms imposed Y N

BUILDINGS / CONTENTS INSURANCE

Is the property in a sound state of repair Y N

Have you or any persons normally resident with you sustained any loss, damage or liability whether Y N

insured or not during the last five years arising from risks which will be insured by the cover being arranged

Are you aware of any past or existing structural damage to the property being insured Y N

Has the property to be insured been underpinned or provided with any other means of structural support Y N

Is the property to be lived in by anyone other than you or your family Y N

Will the property be left unoccupied for any reason for more than 30 days at a time Y N

Has the property insurance relating to the property to be mortgaged been sold at a distance Y N

Do you require buildings and contents insurance cover to be arranged for you Y N

If ‘Yes’ do you wish: Lender Arranged Advisor Arranged

*A charge may be incurred from the lender for approval of your insurance arrangements

MORTGAGE PAYMENT PROTECTION

Has any single premium insurance policy been sold with this mortgage Y N

Has the insurance premium been added to the mortgage loan Y N

If ‘Yes’ please provide the following details for EACH single premium insurance policy sold:

The insurance premium amount £

The name of the insurer

The term of the insurance policy

In the unfortunate event that you are unable to continue work due to unemployment, accident or sickness, you will not be entitled to any Government help for the

first nine months of a claim. The FSA’s information sheet ‘You can afford your mortgage now, but what if ... ?’ will help you consider the risks.You can get a free copy

from www.fsa.gov.uk/consumer, or by calling 08456 606 1234. Your advisor may arrange this cover for you.

Do you require payment protection cover to be arranged for you Y N

If ‘Yes’ do you wish: Lender arranged Advisor arranged


TITLE INSURANCE

Do you wish to take advantage of title insurance if available Y N

DECLARATION

1 I / we confirm that I have received and will retain written information from my advisor on the above insurance options.

2 I / we understand that I/we must disclose all material facts which an insurer would regard as likely to influence the assessment and

acceptance of an application. Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Service (IDS

Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance,

we may search the register. When you tell us about an incident (such as fire, water damage or theft) which may or may not give rise to claim,

we will pass information relating to it to the register. You can ask for more information about this from your advisor or lender.

3 I / we understand that you will pass the information on this form about any incident 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 that I/we

have given details of, IDS Ltd. may pass on information it has received from other insurers about other incidents involving anyone insured

under the policy.

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

5 I / we declare to the best of my/our knowledge and belief the answers given in ‘Section N’ are true and all material information as explained

above has been disclosed.

Signature Signature

Date Date

A copy of the application form(s) and policy booklet(s) are available on request


To The Finance Centre and any mortgage lender or its agent which lends me/us money pursuant tothis application (‘the Lender’), (which term includes successors and assignees, and those derivingtitle through it).

I/we hereby agree and declare that:

1 The particulars contained in this Mortgage Application whether completed in my/our hand or notand any accompanying or supporting documentation which is now enclosed or may hereafter beprovided by me/us (the Mortgage Application) are and will be true and accurate in all respects and ifa formal loan offer is made by the Lender and a contract is concluded such particulars are to beregarded as forming part of that contract.2 No loans exist which are required to be, but are not, disclosed in this Mortgage Application.3 I/we consent to The Finance Centre and/or the Lender and its introducers (this will be yourmortgage advisor or financial intermediary) to make such enquiries and searches and obtain suchreferences and information as they shall consider necessary of such persons, including but notlimited to tax authorities, employers, landlords, accountants, building societies, bankers and creditreference agencies (who will keep a record of searches made) as they deem necessary to confirmthe truth and accuracy of the particulars contained in this Mortgage Application, whether or not thisMortgage Application proceeds. The Lender and its agents are authorised to seek information fromother insurers to check the answers I/we have provided. The results of these enquiries, searches andreferences and any information given by me/us or any person in applying for the loan may be usedfor credit assessment and for debt recovery, tracing and fraud prevention.4 A valuation report will be obtained solely for the benefit of the Lender to enable it to assess theamount of the mortgage loan, if any, which it is prepared to make on the security referred to in theMortgage Application and such valuation report confers no rights on me/us whether against theLender or any other persons. Whilst the Lender may provide me/us with a copy of the valuation reportthe Lender is not the agent of the surveyor or firm of surveyors providing the valuation report andneither the Lender nor such surveyor or firm of surveyors give any warranty, representation orassurance that the statements, conclusions and opinions expressed or implied in the valuation reportare accurate, valid or complete or that the property is free from defects or worth at least the amountof the loan or that (where relevant) the purchase price is reasonable. I/we must, for my/our ownprotection, obtain independent advice from a surveyor or other professional person as to thecondition and value of the property.5 The only fees payable in respect of this Mortgage Application are those which are due and payableto the Lender and which are specifically referred to in the literature relating to the particular mortgageloan applied for. Any fees in addition to the above paid by me/us to any third party are not as acondition of submitting this Mortgage Application or as a condition of obtaining the Mortgage Offer(the formal offer of mortgage facilities), if made.6 The Lender may from time to time transfer or assign any loan, mortgage loan or policy/ies of lifeassurance and other related security (or any one of them) to any other, company or person withoutnotice to me/us. I/we hereby consent to each such transfer or assignment.7 The information contained in this Mortgage Application and Declaration may be relied upon by theLender and any person or body in whom the benefit of all or any of the loan, mortgage loan and otherrelated security is from time to time vested.8 I/we consent to my/our Solicitor disclosing to The Finance Centre and/or the Lender anyinformation or documentation whatsoever requested by The Finance Centre and/or the Lender eitherin relation to the transaction or the property which is the subject of this Mortgage Application or whichThe Finance Centre and/or the Lender requires or would have required to consider whether or not tomake a mortgage loan to me/us.9 I/we have read and considered the information provided relating to the particular mortgage product.I/we have chosen and/or have been advised to apply for by my/our financial or other adviser. I/weunderstand that the Lender may decline this Mortgage Application without giving any reasonwhatsoever.10 I/we undertake to provide you forthwith with details of any changes in circumstance of whatevernature which have, or are likely to have an effect on the continuing accuracy of the particularscontained in the Mortgage Application and which may affect the Lender’s willingness to provide theloan.11 I/we give the Lender consent to use my data for the processing of this Mortgage Application. TheLender may pass information, documents or data held by it or provided to it in relation to thisMortgage Application, the mortgage loan, any related security (historical, current or confidential), anypossession of the property by the Lender and any insurance to:a. any actual or proposed transferee of the mortgage loan or such related securityb. the provider of funds for the mortgage loanc. any party with whom the Lender is considering entering into a contractual agreement in relation tothe mortgage loan or such related securityd. credit reference agencies and fraud prevention agenciese. any introducer of mortgage business to the Lenderf. the Insurance Companies (the buildings/contents insurer and such other companies as the Lendermay reasonably decide) and/org. any insurance database registerh. any companies/third parties located outside the European Economic Area where thetransfer/processing of information is equivalent to that provided under the Data Protection Act 1998.12 Certain information collected may be classified as sensitive (for example county court judgementsor criminal offences) and The Finance Centre and/or the Lender can only use such data where TheFinance Centre and/or the Lender has my/our explicit consent. I/we consent to The Finance Centreand/or the Lender processing this data. I/we am/are informed that this information is only used forassessing risk, my/our eligibility for a mortgage and for any contract of insurance. I/we consent tothe Lender holding securely any medical health data about me.13 If the Mortgage Application is in respect of joint applicants, all obligations in relation to the loan(if granted) shall be joint and several. This means that in addition to being responsible together, eachcustomer is responsible in full for all obligations as if they were the sole customer.14 I/we consent to any telephone conversations and calls between The Finance Centre and/or theLender and myself/ourselves being monitored for training purposes.

15 I/we understand that it will be my/our responsibility to maintain payments on any mortgagethrough the Lender. If I/we decide not to accept the Lender mortgage payment protection insurance,I/we will arrange/have already arranged suitable cover and/or understand that my/our mortgagepayments will not be protected in the event of accident, sickness or unemployment, if such cover isnot in force.16 I/we confirm that by stating on the Mortgage Application information about another party,including but not limited to a joint applicant, a financial association may be created which may linkour financial records. I/we am/are entitled to:a) Disclose information about a joint applicant and/or anyone else referred to by me/us andb) Authorise the Lender to search, link and/or record information at credit reference agencies aboutme/us and/or anyone else referred to by me/us.17 I/we agree that details relating to this application and my/our account can be provided to the FSAor the applicable regulatory body or supervisor, to assist them in monitoring their compliance and theprogress of this mortgage application.18 Where this application has been introduced by a third party, that party is not an Agent of theLender and does not have any authority to commit the Lender to any binding agreement.19 I/we understand that The Finance Centre is not an Agent of the Lender and does not have anyauthority to commit the Lender to any binding agreement.20 The Lender may use credit scoring/automated decision-making systems when assessing my/ourapplication.21 I/we understand that once my/our loan, mortgage or security for the repayment of any loan ormortgage made in connection with this application has been transferred or assigned, a third partymay obtain information and data from the new lender about my/our loan, mortgage or security for therepayment of any loan or mortgage account to assist in statistical research relating to credit scoringor the investigation and resolution of complaints. I/we understand that this information will beobtained from the new lender and I/we consent to the Lender using my/our data in this way.

PLEASE NOTE – use of your information

The Finance Centre and/or the Lender will check your details with fraud prevention agency/agenciesand if you give the Lender or its introducers false or inaccurate information and the Lender suspectfraud, the Lender will record this.

The Lender and other organisations may use and search these records to:

Help make decisions about credit and credit related services, for you and members of yourhousehold;Help make decisions on motor, household, credit, life and other insurance proposals and insuranceclaims, for you and members of your household;Trace debtors, recover debt, prevent fraud, and to manage your accounts and insurance policies;Check your identity to prevent money laundering, unless you furnish the Lender with othersatisfactory proof of identity.

The Lender and other fraud prevention agency/agencies will also use the records for statisticalanalysis about credit, insurance and fraud. Please telephone the Lender if you want to have detailsof those fraud prevention agencies from whom the Lender obtain information and with whominformation is recorded about you. You have a legal right to these details.

Under the provisions of the Data Protection Act 1998 (‘the Act’) any information provided by you maybe held by The Finance Centre and/or the Lender in its computer and manual records and may beshared within The Finance Centre and/or the Lender organisation and with those third parties,specified in paragraph 11 above, to protect both The Finance Centre and/or the Lender and itscustomers against fraud. Under the Act you are entitled to know what information is held about youon the records of The Finance Centre and/or the Lender and to ask for inaccurate details to beamended. If you have any questions about the Act or your rights under it you may write to the DataProtection Officer at The Finance Centre and/or the Lender.

Information held about you by the Credit Reference Agencies may already be linked to records relatingto another party. For the purposes of this Mortgage Application you may be treated as financially linkedand this Mortgage Application may be assessed with reference to any “associated” records.

Where you borrow or may borrow from the Lender, we may give details of your account and how youmanage it (whether or not in default) to credit reference agencies. If you borrow and do not repay infull and on time, the Lender may tell credit reference agencies and/or the Council of MortgageLenders’ Possessions Register who will record the outstanding debt.

Where you choose a mortgage repayment method of capital repayment or interest only, the Lenderdoes not require the Mortgage Application to be supported by any financial products sold by a thirdparty (for example endowments or ISAs).

Declaration of consent to be signed in all cases. Please check through this application form toensure that it is fully completed. Any sections that are not completed may result in unnecessarydelays. It is important that all the applicants have read and understood the declaration beforesigning this application. By signing you agree that we can use your information in this way, youalso agree that all the details you have given are true and complete that you are 18 years of ageor older and that these details may be verified by us from time to time.

I/we hereby certify full details and a KFI for the product specified has been provided to me/usprior to the submission of this application form.

ADVISOR DECLARATION AUTHORITY FOR EXISTING OR PREVIOUS LENDER/LANDLORD/ACCOUNTANT/EMPLOYER TO RELEASE INFORMATION

I / we hereby authorise and request you to provide The Finance Centre with any information necessary and relevant

Signature Signature

Date Date


SOLICITORS DETAILS

Solicitors name

Address

Telephone

Fax

DX

ADDITIONAL INFORMATION



Please indicate section and use this space to provide any further information




ADVISOR DECLARATION AUTHORITY FOR EXISTING OR PREVIOUS LENDER/LANDLORD/ACCOUNTANT/EMPLOYER TO RELEASE INFORMATION

I / we hereby authorise and request you to provide The Finance Centre with any information necessary and relevant

Signature Signature

Date Date





P.O.Box 999WarringtonCheshireWA1 1GEinfo@thefinancecentre.comthefinancecentre.comthefinancecentre.com/track

Application Form

Documents

y n y n y n y n y n

y npurchase price loan

y nnetwork network reference

refundable details

status self cert

shareholding level

product requiredinitial

level of advice