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1. Guarantor Provisions: Required when there is a guarantor for the loan, setting out the guarantor's obligations and limitations

2. Fixed/Variable Rate Provisions: Detailed terms for when the loan includes options to switch between fixed and variable rates

3. Buy-to-Let Provisions: Additional terms required when the property is for investment rather than owner-occupation

4. Multiple Properties: Required when the mortgage covers more than one property

5. Life Insurance Requirements: Specific provisions for mandatory life insurance policies and assignments

6. Construction Provisions: Required for properties under construction, including stage payment terms

7. Interest-Only Periods: Terms governing any interest-only payment periods

8. Foreign Currency Provisions: Required when either the loan or income is in a different currency

9. Regulatory Compliance: Additional provisions required for specific types of regulated lending

1. Schedule 1 - Property Description: Detailed legal description of the property including folio numbers and maps

2. Schedule 2 - Special Conditions: Any special conditions or variations to the standard terms

3. Schedule 3 - Repayment Schedule: Detailed breakdown of repayment amounts and dates

4. Schedule 4 - Drawdown Conditions: List of conditions precedent to be satisfied before loan drawdown

5. Schedule 5 - Form of Notices: Standard forms for various notices under the agreement

6. Schedule 6 - Insurance Requirements: Detailed insurance requirements and minimum coverage levels

7. Appendix A - Definitions: Extended definitions and technical terms

8. Appendix B - Standard Forms: Collection of standard forms including drawdown requests and certificates

9. Appendix C - Fee Schedule: Breakdown of all applicable fees and charges