The Mortgage Loan Letter is a crucial document in the mortgage lending process under English and Welsh law. It represents the formal offer of a mortgage from a lender to a prospective borrower, typically issued after initial application approval and property valuation. The letter must comply with the Financial Services and Markets Act 2000, FCA regulations, and the Mortgage Credit Directive Order 2015. It includes essential information about the loan terms, conditions, fees, and the borrower's rights and obligations. This document serves as the foundation for the subsequent mortgage deed and is a key step in the property purchase process.
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1. Lender Details: Full legal name and contact information of the lending institution
2. Borrower Details: Full legal name and contact information of the borrower(s)
3. Property Details: Full address and description of the mortgaged property
4. Loan Terms: Principal amount, interest rate, term length, and repayment schedule
5. Key Financial Information: APR, total amount payable, monthly payments, and all fees
1. Joint Borrower Information: Additional details required when there are multiple borrowers on the mortgage application
2. Special Conditions: Any unique terms or conditions specific to this mortgage
3. Buy-to-Let Details: Specific terms related to buy-to-let mortgages when applicable
1. Schedule 1 - Payment Schedule: Detailed breakdown of payment dates and amounts
2. Schedule 2 - Property Information: Detailed property description, including title number and boundaries
3. Appendix A - Standard Terms and Conditions: Full terms and conditions of the mortgage
4. Appendix B - Fee Schedule: Complete breakdown of all applicable fees and charges
5. Appendix C - ESIS: European Standardised Information Sheet with standardized information about the mortgage product
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