1. Guarantor Notice: Required when there is a guarantor for the mortgage who needs to be notified of the default

2. Previous Correspondence: Reference to previous warning letters or communications when there has been prior contact about the default

3. Multiple Property Reference: Required when the borrower has multiple properties under mortgage with the same institution

4. Power of Attorney Reference: Required when the letter is being sent by a legal representative acting under power of attorney

5. Cure Period Notice: Details of any cure period allowed under the mortgage agreement, if applicable

6. Insurance Impact Notice: Required when the default affects property insurance obligations

1. Payment History Schedule: Detailed schedule showing payment history and missed payments

2. Outstanding Amount Calculation: Detailed breakdown of how the outstanding amount has been calculated, including interest and penalties

3. Property Details: Complete details of the mortgaged property including title deed numbers and registration details

4. Copy of Mortgage Agreement: Attached copy of the relevant sections of the original mortgage agreement relating to default

5. Previous Notices Log: List of all previous notices and warnings sent regarding the default