The Offer Letter Mortgage is a crucial document in property financing under English and Welsh law, serving as the formal presentation of mortgage terms from a lender to a prospective borrower. It represents the lender's commitment to provide financing subject to specified conditions and follows extensive checks on the borrower's creditworthiness and the property's value. This document must comply with FCA regulations, including MCOB rules, and contains all essential information required for the borrower to make an informed decision about the mortgage product.
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1. Offer Summary: Key details of the mortgage offer including loan amount, term, and interest rate
2. Borrower Details: Full name, address and contact information of all borrowers
3. Property Information: Details of the mortgaged property including address and property type
4. Loan Terms: Detailed breakdown of the financial terms including monthly payments, APR, and total amount payable
5. Conditions: All conditions that must be satisfied before the mortgage can complete
6. Important Information: Key regulatory information and warnings required by MCOB
7. Declaration: Acceptance section including regulatory statements and signature requirements
1. Additional Borrowing Features: Details of any flexible borrowing facilities offered with the mortgage
2. Payment Holiday Options: Terms and conditions for payment holiday facilities if offered
3. Overpayment Rights: Details of overpayment allowances and any associated fees
4. Product Switch Options: Information about options to switch products during the mortgage term
1. Schedule 1 - APRC Calculations: Detailed breakdown of the Annual Percentage Rate of Charge calculation
2. Schedule 2 - Tariff of Charges: Comprehensive list of all fees and charges that may apply during the mortgage term
3. Schedule 3 - General Mortgage Terms and Conditions: Standard terms and conditions applying to the mortgage
4. Schedule 4 - Insurance Requirements: Detailed requirements for buildings insurance and other required insurance coverage
5. Schedule 5 - Direct Debit Mandate: Form for setting up regular mortgage payments
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