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1. Parties: Identification of mortgagor and mortgagee with full legal names and addresses
2. Background: Recitals explaining the context of the mortgage, property ownership, and intention to create security
3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement
4. The Mortgage: Core provisions creating the mortgage, including the grant of security and secured obligations
5. Property Details: Detailed description of the mortgaged property and its registration particulars
6. Loan Terms: Principal amount, interest rate, repayment terms, and payment mechanics
7. Mortgagor's Representations and Warranties: Statements about property ownership, authority to mortgage, and absence of encumbrances
8. Mortgagor's Covenants: Ongoing obligations including property maintenance, insurance, and payment of rates and management fees
9. Events of Default: Circumstances constituting default and consequences
10. Mortgagee's Powers and Remedies: Rights and remedies upon default, including power of sale
11. Costs and Expenses: Allocation of legal fees, stamp duty, and other costs
12. Notices: Method and addresses for serving notices
13. General Provisions: Standard boilerplate clauses including severability, entire agreement, and governing law
14. Execution: Signature blocks and execution formalities
1. Insurance Requirements: Detailed insurance obligations when specific insurance types are required beyond standard fire insurance
2. Property Management: Additional provisions for properties in multi-unit developments or subject to deed of mutual covenant
3. Guarantee Provisions: When there is a third-party guarantor for the mortgage obligations
4. Further Advance Provisions: Where the parties contemplate possible future increases in the mortgage amount
5. Rental Provisions: When the property is or may be rented out, including assignment of rental income
6. Additional Security: When other assets or properties are included as additional security
7. Pre-existing Tenancies: Where the property is subject to existing tenancy agreements
8. Foreign Currency Provisions: When loan or payments are in foreign currency
1. Schedule 1 - Property Description: Detailed legal description of the property including lot number, address, and registered particulars
2. Schedule 2 - Payment Schedule: Detailed repayment schedule including installment amounts and due dates
3. Schedule 3 - Insurance Requirements: Specific insurance requirements including types, coverage amounts, and named insureds
4. Schedule 4 - Existing Encumbrances: List of any permitted existing encumbrances or restrictions on the property
5. Schedule 5 - Form of Notice: Standard forms for various notices under the mortgage
6. Appendix A - Property Plans: Floor plans or property plans where relevant
7. Appendix B - Special Conditions: Any special conditions or requirements specific to the property or transaction
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