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mortgage logistics by chapelhouse Mortgage: 1. a conveyance of an interest in property as security for the repayment of money borrowed. 2. the deed by which such a transaction is effected. 3. the rights conferred by it, or the state of the property conveyed. Logistics: 1. the management of materials flow through an organisation. 2. the detailed planning and organisation of any complex operation “We shape our buildings, and afterwards our buildings shape us.” Winston Churchill Development finance application Mortgage Notes Please answer all the questions in full using BLOCK CAPITALS or ticking the appropriate box. All answers 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 first and Second applicants are required to fill in Sections 1 1— — 8. 3 Personal Details - Before completing please read the Data Protection Act at the back of this form First Applicant If more than two applicants please complete a further form Second Applicant 1. Title Mr/Ms/Other 2. Surname 3. Forenames 4. Maiden / Previous names 5. Professional Qualification / 6. Date of Birth / Nationality / Nationality / / Nationality 7. Relationship to Joint Applicant Single Married Widow/ er Single Married Widow/er Separated Divorced Living together Separated Divorced Living together 8. Marital Status Male 9. Sex 10. How long resident in U.K. ? Female Yrs Male Female Months Yrs Months 11. National Insurance Number 12. Do you have the right to work and reside in the U.K. permanently? Yes No Yes No If no to either, please provide details in section 17 14 Present Address Postcode 15 How long at this address 16 Telephone Numbers 17 Residential Status Years Postcode Months Years Home Months Home Work Mobile Work Owner Living with Friends / Relatives Private Tenant Local Authority Tenant If the above are not applicable please provide further details in Section 17 18 If less than 3 years give previous address (es) to cover last 3 years including residential status Mobile Owner Living with Friends / Relatives Private Tenant Local Authority Tenant If the above are not applicable please provide further details in Section 17 Postcode continue in section 17 if necessary 19 How long at this address Years Postcode Months 4 Employment Details Years Months If self employed or if you own more than 20% shareholding in company go to section 5 1. Employers Name 2. Employers Address Postcode Postcode 3. Where is your place of work ? (nearest Town) 3. Are you employed self—employed employed self—employed retired not employed retired not employed Temporary ? Permanent ? Temporary ? Fixed term contract Date your contract ends Permanent ? 4. Is your employment 6. Telephone & Fax Number’s 7. Length of service please give dates Fixed term contract Date your contract ends Tel / Fax years months From / Tel to years months Fax From to / / 8. Position held / Job title 9. Nature of business 10. Percentage shareholding if partnership interest 14. If either applicant has been with their current employer for less than 3 years, please give name and address of previous employer with dates in section 17 Postcode Postcode Head Office Use: Annual Income Details First Applicant 15. Basic Gross Salary p.a. £ 16. Guaranteed overtime, bonus /es or additional payments p.a. £ 17. Mortgage / rent subsidy p.a. £ 18. Guaranteed pension income £ excluding state pensions 19. Non Guaranteed overtime, bonuses or additional payments p.a. £ 20 Additional income I.e. rental, investment etc please specify £ Second Applicant regular but not guaranteed Total Gross Income p.a. £ 21. Net Income from Employer p.m. £ £ Total Net Income per month £ £ Please provide source and amount of any additional income in section 17 22 If either applicant has been with their current employer for less than 3 years, please give name and address of previous employer with dates in section 17 Postcode Postcode 23 How many employers have you worked for in the past 10 years Head Office Use: 5 Self Employed Details 1. Name of business 2. Nature of business 3. Your position in business 4. Business address Postcode 5. Telephone number / Fax Tel 7. How long business established Fax years Postcode Tel Fax years months months Perman ent ? Te mpo rary ? 8. How long has business been owned by applicant? If less than 3 years details of previous business’s / employment required Postcode Postcode % 9. Percentage holding or partnership interest % 10. Name and address of your Accountant. Please provide contact name Postcode Contact Name 11. Telephone number / Fax 12. Certified / Chartered if other please state qualifications Tel Postcode Fax Tel Fax Yr Ending Key Information 13. Business performance for the last 3 trading years. Yr Ending Yr Ending Yr Ending Key Information Turnover Turnover Net Profit before tax Net Profit before tax Drawings / Salary Drawings / Salary Dividends Dividends Yr Ending Yr Ending Net Assets (less Goodwill Net Assets (less Goodwill ie. Total Assets less Liabilities) ie. Total Assets — Liabilities) Head Office Use: 6 Assets and Liabilities Assets Plea se not e : Failure to declare any regular and unavoidable personal committed debt may result in your mortgage application being declined 1. Savings and Investments £ £ 2. Other Assets e.g. Jewellery, £ £ 3. Main Residence £ £ 2. Other Properties £ £ £ £ cars, antiques etc Total Assets Liabilities 1. Name and Address of current residential mortgage lender / landlord Postcode Telephone Postcode Telephone 2. Existing mortgage account number 3. How long have you held this account Years 4. Amount of loan outstanding £ 5. Current mortgage / rent payment £ 6. Is your property used as security for any other loans including business overdrafts? If yes please £ Monthly Payment Current debts and outgoings No Name of lender £ 7. Loans, HP and leases £ £ £ 8. Store and credit cards £ £ £ 9. Overdrafts £ £ £ £ 10. Other Mortgages Months £ Yes provide details and purpose of loans in Section 17. Years Months £ £ Head Office Use: Yes Start Date End Date Account number No Credit limit or original loan amount Balance outstanding 1st or 2nd Applicant 7. Bank Details First Applicant Second Applicant 1. Name and address of your Bank 2. Name of Account holder 3. Bank Account Number 4. Is Bank account a current account? Yes Specify No Yes Specify No 0. 5. Bank Sort Code - 6. How long have you had this account? - - Years - Years Months Months 8. Credit History If your answer is yes to any of the questions below, please give full details in Section 12 or on a separate sheet 1. Have you ever been in arrears with your mortgage payment, rental payment or any other loan If yes please state number of monthly payments missed in the last 12 months Yes No 3. Have you ever been refused a mortgage? Yes No 4. Have you ever had a judgement for bad debt recorded against you? Or if self-employed / Controlling Director, against your company? Yes No Yes Yes No Yes No 6. Have you ever been insolvent, declared bankrupt, had a bankruptcy petition presented against you or made arrangement with creditors? Yes No Yes No 7. Have you ever been refused credit? Yes No Yes No 2. Yes No If yes please state number of monthly payments missed in the last 12 months If yes, when were these cleared 5. Have you any pending or imminent court proceedings against you Yes No 9 Development Funding Requirements 1. What is the type of development? 2. What is the type of property on completion of project? Property Refurbishment Property Conversion New Build House / Barn Please state number Apartments Yes No 4. Loan Details Loan required 5. Are you contributing funds to the project? Yes No If Yes, please state amount Yes No If Yes, to above please provide details and value of security £ Term Commercial Current site value £ Balance outstanding £ Please state number in block If Yes, please state name of Lender 3. Is the proposed site/building mortgaged 6. Are you offering additional security for this Funding? Residential Months £ 10. Development Site Information 1. Address of Site 2. Build Cost inc of interest and fees £ 3. Gross Development Value £ 4. Name and Address of building Contractor. 4. Will property be retained as investment property? Yes No 0. 5. If property to be sold please provide selling agent details 6. If property not being sold please provide details of how loan will be repaid? 11 Solicitor Details Please Note : Some lenders will only use Solicitors with multiple practising partners 1. Solicitor Firm Number of Partners 2. Name of Contact 3. Address 8. Contact Numbers Postcode DX Number Telephone Fax Number 12 Additional Information 1. Please use this page to write down any relevant information as requested in the previous sections supporting this application. Also indicate to which section each piece of information is relevant. Use an additional piece of paper if necessary 13 Uses of Data A QUALITY SERVICE We place paramount importance on customer service and aim to meet your expectations on every occasion. To achieve this aim we need accurate personal information about you. Please help us take prompt and efficient action by informing us of any changes to your personal circumstances by writing to us. We have a legal obligation under the Data Protection Act to ensure that all information held and processed about you complies with the principles of the Act. The Act requires all personal information to be treated in the strictest confidence and to be used only for purposes of which you are aware. CONFIDENTIALITY We and the lender will treat all your personal information as private and confidential (even when you are no longer a customer). Nothing about your accounts nor your name or address will be disclosed to anyone other than in four exceptional circumstances permitted by law. These cases are: 1. where we are legally compelled to do so; 2. where there is a duty to the public to disclose; 3. where disclosure is required to protect our interest (This will not be used as a reason for disclosing information about you or your accounts, including your name and address to anyone else for marketing purposes). 4. where disclosure is made at your request or with your consent. (this can be either as a result of an application for a product or service or by signing an explicit declaration as part of the application. Consent does not need to be in writing if the service is provided over the telephone) From time to time we are employed as agents or sub-contractors to process your information on the lenders behalf. The same duty of security and confidentiality will apply to us and all processing will only be carried out under the lenders instruction and will be supported by a written contract between the lender and ourselves. USING YOUR PERSONAL INFORMATION Your details will be used in providing the service you applied for and for the ongoing administration of the service. If you are taking out insurance, your details will be passed to the insurer for this purpose. If you make a claim, any information you provide to the insurers may be put onto a register of claims through which insurers share such information to prevent fraudulent claims. A list of the participants and address of the operator are available from the insurers. KEEPING YOU INFORMED If you borrow and do not repay in full and on time, the Lender may tell credit reference agencies and/or the Council of Mortgage Lenders’ Possessions Register who will record the outstanding debt. It is important that you give accurate information. We and the lender will check your details with fraud prevention agencies and if you give false or inaccurate information and where there is suspicion of fraud the lender will record this We and 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 your household. ⇒ Help make decisions on motor, household, credit life and other insurance proposals and insurance claims, for you and members of your household. Trace debtors, recover debt, prevent fraud and to manage your accounts or insurance policies; ⇒ Check your identity to prevent money laundering, unless we are furnished with other satisfactory proof of identity. For these purposes we or they may make further searches. The Credit Reference Agencies and Fraud Prevention Agencies will also use the records for statistical analysis about credit and about insurance and fraud. If you have experienced problems obtaining credit we recommend you request a copy of your credit file from the Credit Reference Agencies. They will charge for this service. Their addresses are shown below. INTRODUCERS Where your business has been introduced to us from a third party, we will pass back information about you and your agreement that may be necessary for the purpose of administration, payment or settlement. The person who introduces you to us may use this information for marketing purposes but only with your consent. SENSITIVE DATA Certain information collected by us and the lender may be classified as sensitive and we and or the lender can only use this information when we have explicit consent. This data relates to racial or ethnic origin, political opinions or religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences and will only be processed in order to provide the service requested. THE DETAILS HELD These uses of your personal information are covered by our and the lenders notification under the Data Protection Act. Under the terms of the Act, you have the right to obtain a copy of the information held about you, upon payment of the appropriate fee. We hope that you have found the information of interest. Please be assured that we and the lender will actively review your personal information, please do not hesitate to contact us at any time. There may be times when we or the lender feel that a service or product offered by us or a selected third party may benefit you. We or the lender may use information we obtain from your account transactions in this decision making process. To make you aware of the service or product we or a selected third party may contact you by mail, telephone, fax, e-mail or other reasonable method to give you further details so that you can make an informed choice. CREDIT REFERENCE AGENCIES’ ADDRESSES You are of course, under no obligation to apply for any of the services or products offered. If you prefer not to receive any of this information, please write to us, the lender or the selected third party. We will only contact you by fax where you have given us your explicit consent. EXPERIAN LIMITED Consumer Help Service PO Box 8000 Nottingham NG80 7WF Tel: 0870 241 6212 www.experian.co.uk RESEARCH AND STATISTICAL ANALYSIS We and the lender will use your details to assist us in understanding individual needs and business trends in order to improve the products and services offered. The lender will always try to protect you from entering into any agreement that may not be in your best interest. When you apply for credit they may use a process known as Credit Scoring. This will help them to assess your application to ensure that you are able to repay the borrowing comfortably and fulfil their duty to you as a responsible lender. Declined applications based on this automated technique can be reviewed manually on request. In considering your application we and the lender will search your record at Credit Reference Agencies. They will add to your credit file details of the search and your application and this will be seen by other organisations that make searches. We and the lender will also add to your record with the Credit Reference Agencies details of your agreement, the payment you make under it, any default or failure to keep to its terms and any change of address you fail to tell the lender about where a payment is overdue. Where you borrow or may borrow from the Lender, they may give details of your account and how you manage it (whether or not in default) to credit reference agencies. If you would like a copy of your credit file, please write to the following enclosing a cheque or postal order for £2. You will need to tell them your full name and address(es) for the last six years. EQUIFAX Credit File Advice Centre PO Box 1140 Bradford BD1 5US Tel: 08705 143700 www.equifax.co.uk FOR BUSINESS CUSTOMERS The Data Protection Act does not apply to companies in themselves but it does extend to sole traders and partnerships. When an application is received from a business, in addition to the above information, information may be sought from Credit Reference Agencies on the company directors and/or partners as individuals. MARKETING From time to time the Lender may wish to contact you regarding other products and services that may be of interest to you. By ticking this box I/we agree to receive details of products and services offered by the Lender by mail, telephone, e-mail or fax. I/We understand that if I/we do not wish to receive further information regarding such services and products I/we may write to the Lender and its records will be amended accordingly. Chapel House Holmeswood Road Rufford Lancashire L40 1TZ Telephone 0844 815 5885 Fax 0844 815 5886 E-mail info@chapelhouse.biz 14 Declaration and Consent Note: this declaration must be signed by the Applicant(s) personally To Chapel House MSP, the lender, its successors and assignees, and those deriving title through it I / We declare and agree that: 1. The information set out on this form is, to the best of my / our knowledge and belief true and complete and contains no material omission and forms part of the terms of my / our mortgage. I / We understand that if any answer has been written by any other person, that person shall for that purpose be regarded as acting for me / us and not for the lender. 2. If any of the information in this form changes prior to the making of the advance I/We will notify the Lender and Chapel House in writing and will not take up the advance unless the Lender has previously consented in writing. 3. I / We authorise the lender or its agents to instruct valuers to carry out a valuation of the property and agree to pay the valuation charge. I / We understand that this amount will not be returnable after the valuation has been carried out. 4. I / We will not rely in any way on any valuation report prepared for the lender in deciding whether to proceed with the purchase or re-mortgage of the property offered to the lender as security and / or in the event of a purchase, in deciding how much to pay for such property. Where a Home Buyers report is approved, I / We agree and accept the conditions of engagement of the Surveyor when the report is issued, and that the Surveyor is not an agent of the lender. I/We understand that the lenders willingness to make an advance does not imply any representation about the value or condition of the property 5. I / We understand the lender reserves the right to revalue the property at any time after completion of the mortgage and, if necessary, to reschedule the loan accordingly. 6. I / We acknowledge the lender is entitled to make such arrangements as it thinks fit with third parties to protect itself against any failure my me / us to pay the mortgage loan, and that any such arrangement will be for the lenders benefit and not mine / ours. I / We further acknowledge that the lender may pass to such third parties any information contained in this application and this application itself together with any relevant supporting documentation. 7. Any monthly payments which are made by one or two or more joint borrowers may be treated as made for and on behalf of other joint borrowers. 8. Chapel House/the lender has the right of access to your personal records held by credit and fraud agencies. Chapel House/the lender will supply their names and addresses upon request. .Chapel House MSP and the lender may request such information by way of references as they may consider appropriate. This includes making enquiries of my/our previous and present employers, Lenders, Landlords, Accountants, Bankers, Tax office and Insurance company and I/We give my / our consent that such information may be disclosed to Chapel House MSP and the lender. In addition Chapel House MSP and the lender may make such enquiries as they consider appropriate about me / us and I / We will be responsible for all fees incurred. I / We understand that telephone calls may be monitored or recorded as part of your efforts to improve service to customers. 9. I/We agree that Chapel House MSP/the lender may search the files of credit reference agencies and the Council of Mortgage Lenders Possessions Register which will keep a record of the search. Details of how l/we conduct the account (including any repossession of the property and any arrears) may be disclosed to these agencies. This information may be used by other lenders in assessing applications from me/us and members of my/our household and for occasional debt tracing and fraud prevention. 10. The information on this form (together with additional information supplied to or obtained by Chapel House MSP, or the lender separately) may be held on computer. It may be retained after my / our account is closed. This information about me / us may be used, in particular (and without prejudice to any other fair and lawful purpose) for the following purposes: [a] Credit assessment including credit scoring; [b] Obtaining references from my / our employer, accountant, bank or other similar sources. [c] Credit reference purposes I/We authorise the lender /Chapel House to make searches about me/us at credit reference agencies who will supply the lender/Chapel House with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. The lender/ Chapel House may use credit-scoring methods to assess this application and to verify my/our identity. Credit searches and other information which is provided to the lender/Chapel House and/or the credit reference agencies, about me/us and those with whom I/we are linked financially may be used by the Lender / Chapel House and other companies if credit decisions are made about me/us. This information may also be used for debt tracing and the prevention of money laundering as well as the management of my/our account. applications from me/us and members of my/our household and for occasional debt tracing and fraud prevention;likewise information may be disclosed to and held on the Possessions Register maintained by the Council of Mortgage Lenders [d] Marketing purposes, for example keeping me / us informed of other products and services (if I / We do not wish to receive such information I / We will notify Chapel House MSP by writing to Marketing Department The Tower, Rivington House, Chorley New Road, Horwich, BL6 5UE) and disclosure to market research organisations for the purpose of confidential market research conducted on behalf of Chapel House MSP or the lender. Marketing may be carried by post, telephone, e-mail or fax. [e] Fraud prevention. In addition the lender and the MCL, central mortgage checking system may make information available to other mortgage lenders in the interest of fraud prevention. [f] Collection agents, to assist in the collection of any arrears and/or administrators to assist in the administration of the mortgage 11. I/We authorise Chapel House MSP/the lender to disclose information relating to this application and any agreement entered into as a result of this application to all persons in the limited circumstances where such disclosure is necessary, including [a] Subsidiaries / subcontractors and / or agents of Chapel House MSP or the lender in connection with the purpose listed in paragraph 10 above (for any other fair and lawful purpose); [b] Other mortgage lenders and / or any party acting on behalf of mortgage lenders for the purpose of fraud prevention including National Hunter [c] The Financial Services Authority in monitoring our compliance. [d] The mortgage broker, valuer or solicitor or other agent who introduced me/us [e] Insurers and lenders insurers (if any) [f] Any lender for whom Chapel House MSP/the lender may be acting as agent and any other person having a legal right to the information I/We understand that Chapel House MSP/ the lender will keep this information confidential and it will only be shown to other parties in limited circumstances, namely; if it has to do so by law; it is in the public interest or Chapel House/the lenders interest to do so; the recipient is another member of Chapel House MSP/ the lenders group; or if I/We have given my/our permission 12. I / We hereby instruct my Solicitor / Licensed Conveyancer acting on my / our behalf to disclose all information relevant to the lenders decision to lend, to the lender / Chapel House MSP and I / We waive the right to claim Solicitor / Client confidentiality or legal privilege in respect of such information and generally in respect of the transaction of which the mortgage forms, or is to form a part. I/we consent to the Lender providing their acting Solicitors with the mortgage application form or copy thereof 13. I/We confirm that the declaration contained in this application form shall continue in full force and effect notwithstanding the completion of any mortgage. 14. I / We acknowledge that Chapel House MSP may be entitled to receive, upon completion, a standard fee for administration services in connection with this application for mortgage finance and that details of this fee will be made available via a Key Facts Illustration (KFI). 15. I / We consent to the information on this form and any claim I / We make being supplied to IDS so that it can be made available to other insurers. I / We also agree that, in response to any searches you may make in connection with this application or any claim, IDS may supply information it has received from other insurers about other claims I / We have made. In addition I/we accept that the Underwriting insurer may monitor any calls made to them. I/We understand that Chapel House MSP/the lender may record and monitor phone calls for training and security purposes and Chapel House MSP/the lender may retain notes of any conversation relating to my/our mortgage account. 16. I / We authorise the lender to share information about the property, or its value within subsidiaries or anyone else for the purpose of providing information to help in valuing properties. 17. I / we acknowledge that the lender , its successors in title and assigns (whether legal or equitable) may in due course wish to dispose of or raise finance on any mortgage that may be made to me / us by way of securitisation or otherwise and may; [a] [b] [c] Transfer, assign (whether legal or equitable or whether by absolute assignment or by way of novation or by way of security only) or otherwise dispose of any benefits, rights and obligations (to the extent possible in law) of such mortgage together with any collateral security provided with it and I/we hereby consent to each such transaction. Enter into any contractual arrangement relating to the funding of such mortgage with any person; and Pass any information contained in the application and any supporting documentation which is now enclosed or may be provided in the future under any other information relating to the property, the mortgage, the security for the mortgage and the history and conduct of my / our account to any interested or potentially interested person who may rely on the truth and accuracy of the information contained in the application. 18. I / We authorise the lender to add to the advance requested all fees and costs associated with processing the application including (but not limited to) acceptance fee, telegraphic transfer fee , additional security or higher advance fee, general and life assurance premiums, and Accident Sickness and Unemployment premiums. 19. All property insurance claims over a certain sum (currently £5,000) will be paid through the lender on satisfactory evidence of restitution of the property. 20. If not a Buy to Let application I/we declare that the property will be used as my / our sole main residence and no part will be used for business purposes. I/we further undertake not to enter into any letting arrangements without the prior consent of the lender 21. I / We understand that if I / we are found to have made any false statements or not fully disclosed 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 loss of any fees I / we have paid to date. I / We also understand that the lender may, at any time and without stating a reason, withdraw, cancel or revise any mortgage offer it may make 22. I / We have not arranged any other loan, second mortgage or improvement grant in connection with the property unless I/we tell you otherwise 23. I / We agree that, if a Guarantor is being used in support of this application, Chapel House MSP, the lender or its agents may disclose to them, details of my / our confidential information 24. If you are joining in this mortgage as a Guarantor you may become liable, instead of, or as well as, the borrower(s) 25. I/we will make all payments by direct debit. I understand that the amount that I pay each month may change or the date that I make the monthly payment may change and that in either case the Lender will give me notice in writing before this happens. 26. If I / We choose to allow the Lender to arrange my buildings insurance I hereby authorise the deduction of monthly insurance premiums to be included in the monthly direct debit payable to the Lender 27. I/We confirm that any Additional Security Fee arrangements are for the Lenders benefit only and that I have no right or claim in relation to them. 28. I / We acknowledge the way an interest only mortgage works and that the balance of my/ our mortgage will not reduce over the term of the mortgage and it will be my/our responsibility to repay the loan from other sources at maturity of the loan (this applies only to applicants who are taking out an interest only mortgage 29. I/We understand that Chapel House MSP is not an Agent of the Lender and does not have any authority to commit the Lender to any binding agreement Data Protection Act 1998 Declaration By signing this document: 1. I confirm that I have read the information sheet “Uses of Data” and agree that the information I have provided in this application, and any other information relating to my account (s), may be processed and disclosed in the ways described. 2. I agree that my personal data may be shared with any company from time to time together with the Lender and Broker and any associated Companies (if applicable) and Insurers (if applicable) who may also use it in the ways described in the information sheet, Uses of Data. In addition may be disclosed to Collection agents, to assist in the collection of any arrears and/or administration of the Mortgage. 3. I agree that information on the performance of my account(s) may be shared with Credit Reference Agencies and may be used by other Lenders for credit assessment. 4. I agree that any sensitive information obtained will only be processed in order to provide the service I am entitled to disclose information about any co-applicant or guarantor and/or anyone else referred to by me, and to authorise Chapel House MSP and the Lender to search and/ or record information at Credit Reference Agencies about each of us. I understand that an “association” will be created at the Credit Reference Agencies, which will link our financial records. This linking will continue until one of you successfully files a ‘disassociation’ at the Credit Reference Agencies 5. 15 Declaration and Consent 6. continued I/We understand that you will record details of this application at credit reference agencies, whether or not this application proceeds. An ‘Association’ will therefore be created at credit reference agencies which will link our financial records. I/We understand that our associates information will be taken into account unless I/we instruct otherwise. If either of us applies for access to information held at credit reference agencies, the applicant will receive only information relating to him / herself and the names of any associate(s). By signing this declaration I am consenting to this 7. Chapel House MSP and any Lender(s) may use the Data to send information to you about Chapel House MSP products or services and/or products or services of other companies. By ticking this box I agree to receive such information. 8. Chapel House MSP and any Lender(s) may pass the Data to third parties who wish to send information to me about their products or services. By ticking this box I agree to receive such information. 9. I have the right of access under the Data Protection Act 1998 to my personal records held at Chapel House MSP or any Lenders files. The Company has notified me that it processes `sensitive data' regarding criminal convictions about applicants and for insurance purposes. I/We am/are informed that this information is only used for assessing risk, my/our eligibility for a mortgage and for any contract of insurance. I consent to the Company holding securely any medical health data about me. 10. If any of the information in this form changes prior to the making of the advance I/We will notify the Lender and Chapel House in writing and will not take up the advance unless the Lender has previously consented in writing 11. I / We enclose a cheque to cover the submission fee and any other amounts required to be paid with this application. I /We understand that part of the submission fee contributes towards the cost of the initial assessment of the loan application and, in the event that the loan application is declined or does not proceed before the valuer has been instructed, the submission fee will be refunded less a sum of £249 towards these costs. Once a valuer has been instructed, no refund of the submission fee will be made. I/We declare that I/We have personally completed this application form, or if completed by another have read the full application form and checked every answer given, and understand and agree the above declaration and consent and Data Protection Act 1998 notice I/We have received and read the Key Facts Illustration (KFI) and Initial Disclosure Document (IDD) provided by my/our mortgage intermediary named in Section 1 of this application 12. 13. WARNING: Make sure you can afford your mortgage if your income falls DECLARATION OF CONSENT If a Payment Protection Plan has not been arranged with your Mortgage Broker, consideration should be given to how your mortgage payments will be made if you become ill or unemployed. Please check through this application form to ensure that it is fully completed. Any sections that are not completed may result in unnecessary delays. It is important that all the applicants have read and understood the declarations before signing this document. By signing you agree that Chapel House MSP, the Lender and Agents can use the information in this way. Signature of Applicant 1 Print Name Date / / / / Signature of Applicant 2 Print Name Date Mortgages are subject to status and valuation. Written quotations are available upon request. Borrowers must be 18 or over or as otherwise specified. The caveat regarding “security” does not apply to Buy to Let Mortgages unless you occupy the Buy to Let property as your home any time after completion.