The Mortgage Purchase Agreement is used when one financial institution wishes to sell part or all of its mortgage portfolio to another institution. This document, governed by English and Welsh law, is crucial for mortgage securitization, portfolio management, and financial restructuring. It includes detailed provisions for the transfer of mortgage assets, borrower notifications, ongoing servicing arrangements, and regulatory compliance. The agreement must comply with UK financial services regulations, including FCA requirements and relevant property law statutes.
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1. Parties: Identification and details of the buyer and seller of the mortgages
2. Background: Context of the transaction and brief description of the mortgage portfolio
3. Definitions: Key terms used throughout the agreement
4. Sale and Purchase: Core terms of the transaction including price and payment mechanisms
5. Completion: Process and requirements for completing the transfer
6. Representations and Warranties: Statements about the mortgage portfolio and parties' authority
7. Covenants: Ongoing obligations of both parties
1. Data Protection: Provisions governing the transfer and handling of personal data when dealing with residential mortgages
2. Transitional Services: Arrangements for continued servicing of mortgages by the seller post-completion
3. Anti-Money Laundering: Provisions ensuring compliance with AML regulations and due diligence requirements
1. Schedule 1 - The Mortgage Portfolio: Detailed list and specifications of mortgages being transferred
2. Schedule 2 - Form of Transfer: Legal form and documentation for transferring individual mortgages
3. Schedule 3 - Warranties: Detailed warranties about the mortgage portfolio and underlying assets
4. Schedule 4 - Completion Requirements: Detailed completion checklist and requirements for transfer
5. Schedule 5 - Notice to Borrowers: Template form of notice to be sent to mortgage borrowers regarding the transfer
Relevant legal definitions
Accrued Interest
Additional Mortgage Documentation
Applicable Law
Assignment Date
Borrower
Business Day
Completion
Completion Date
Conditions Precedent
Cut-off Date
Data Protection Laws
Deed of Assignment
Encumbrance
Excluded Assets
FCA
Financial Conduct Authority
FSMA
Included Assets
Interest Rate
Land Registry
Legal Title
Loan Agreement
Long Stop Date
Material Adverse Effect
Mortgage
Mortgage Documentation
Mortgage Loan
Mortgage Portfolio
Notice of Assignment
Outstanding Principal Balance
Property
Purchase Price
Purchaser
Regulatory Authority
Related Security
Relevant Mortgage
Security Interest
Seller
Servicer
Servicing Agreement
Title Documents
Transaction Documents
Transfer Date
Valuation Report
Warranties
Additional Mortgage Documentation
Applicable Law
Assignment Date
Borrower
Business Day
Completion
Completion Date
Conditions Precedent
Cut-off Date
Data Protection Laws
Deed of Assignment
Encumbrance
Excluded Assets
FCA
Financial Conduct Authority
FSMA
Included Assets
Interest Rate
Land Registry
Legal Title
Loan Agreement
Long Stop Date
Material Adverse Effect
Mortgage
Mortgage Documentation
Mortgage Loan
Mortgage Portfolio
Notice of Assignment
Outstanding Principal Balance
Property
Purchase Price
Purchaser
Regulatory Authority
Related Security
Relevant Mortgage
Security Interest
Seller
Servicer
Servicing Agreement
Title Documents
Transaction Documents
Transfer Date
Valuation Report
Warranties
Clauses
Sale and Purchase
Purchase Price
Payment Terms
Completion
Conditions Precedent
Title Transfer
Legal Title
Beneficial Interest
Representations and Warranties
Seller Warranties
Portfolio Warranties
Indemnification
Further Assurance
Assignment
Servicing Arrangements
Data Protection
Confidentiality
Anti-Money Laundering
Notices
Borrower Notification
Default
Remedies
Force Majeure
Severability
Entire Agreement
Amendments
Governing Law
Jurisdiction
Costs and Expenses
Set-off
Third Party Rights
Counterparts
Liability
Termination
Survival
Regulatory Compliance
Records and Access
Dispute Resolution
Assignment and Transfer
Waiver
Purchase Price
Payment Terms
Completion
Conditions Precedent
Title Transfer
Legal Title
Beneficial Interest
Representations and Warranties
Seller Warranties
Portfolio Warranties
Indemnification
Further Assurance
Assignment
Servicing Arrangements
Data Protection
Confidentiality
Anti-Money Laundering
Notices
Borrower Notification
Default
Remedies
Force Majeure
Severability
Entire Agreement
Amendments
Governing Law
Jurisdiction
Costs and Expenses
Set-off
Third Party Rights
Counterparts
Liability
Termination
Survival
Regulatory Compliance
Records and Access
Dispute Resolution
Assignment and Transfer
Waiver
Relevant Industries
Relevant Teams
Relevant Roles
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