The Mortgage Agreement Form is a crucial legal document used in England and Wales when securing a loan against real property. It serves as the primary contract between a lender and borrower, detailing all aspects of the mortgage arrangement including loan terms, security provisions, and enforcement rights. This document must comply with various regulations including the Law of Property Act 1925, Financial Services and Markets Act 2000, and FCA requirements. The agreement protects both parties' interests while ensuring transparency and fairness in the lending relationship.
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1. Parties: Details of the lender and borrower(s)
2. Background: Context of the mortgage agreement and property details
3. Definitions: Key terms used throughout the agreement
4. Loan Details: Amount, term, interest rate, and repayment terms
5. Security: Details of the property being mortgaged
6. Borrower's Covenants: Obligations of the borrower including payments and property maintenance
7. Lender's Rights: Powers and remedies available to the lender
8. Default Provisions: Consequences of default and enforcement rights
1. Insurance Provisions: Additional terms specifying insurance requirements for the property
2. Additional Borrower Obligations: Special conditions for particular borrower circumstances or requirements
3. Buy-to-Let Provisions: Specific terms and conditions applicable when the property is intended for rental purposes
1. Property Schedule: Detailed description of the mortgaged property including title information
2. Payment Schedule: Detailed breakdown of payment amounts, dates, and amortization schedule
3. Special Conditions: Any specific terms applying to the particular mortgage arrangement
4. Mortgage Conditions: Standard mortgage conditions of the lender
5. Form of Transfer: Template for transferring the mortgage to another lender if required
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