The Mortgage Loan Purchase Agreement is used when a financial institution wishes to sell part or all of its mortgage loan portfolio to another entity. This commonly occurs in securitization transactions, portfolio sales, or as part of balance sheet management strategies. The agreement, governed by English and Welsh law, details the mortgage loans being sold, purchase price, representations about the loans' quality, and transfer mechanics. It must address regulatory requirements, including those under the Financial Services and Markets Act 2000 and FCA regulations.
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1. Parties: Identification of seller and purchaser of mortgage loans
2. Background: Context of the transaction and purpose of the agreement
3. Definitions: Key terms used throughout the agreement
4. Sale and Purchase: Core terms of the transfer of mortgage loans
5. Purchase Price: Consideration and payment terms
6. Conditions Precedent: Requirements to be satisfied before completion
7. Representations and Warranties: Statements about the mortgage loans and parties
8. Completion: Process and requirements for closing the transaction
1. Post-Completion Obligations: Ongoing responsibilities after closing, used when ongoing servicing or reporting is required
2. Securitization Provisions: Requirements for securitization compliance, included when loans will be securitized
3. Data Protection: GDPR compliance provisions, required when personal data is being transferred
1. Schedule of Loans: Detailed list of mortgage loans being purchased
2. Form of Transfer: Legal documentation for transferring the loans
3. Eligibility Criteria: Requirements for loans to be included in the purchase
4. Representations and Warranties: Detailed warranties about the mortgage loans
5. Power of Attorney: Authority for purchaser to act in seller's name
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