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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Outlines the context of the loan, including the purpose and the asset(s) being used as security
3. Definitions: Defines key terms used throughout the agreement, including technical and financial terms
4. Loan Amount and Purpose: Specifies the principal amount, purpose of the loan, and any staged drawdown arrangements
5. Interest and Fees: Details the interest rate, calculation method, fees, and APR as required by Irish consumer credit law
6. Security Arrangements: Describes the property or assets being used as security and the legal charge arrangement
7. Repayment Terms: Specifies payment schedule, payment methods, and early repayment provisions
8. Borrower's Representations: Borrower's warranties about their legal capacity and the security property
9. Borrower's Covenants: Ongoing obligations of the borrower regarding property maintenance, insurance, and compliance
10. Events of Default: Defines circumstances constituting default and the lender's remedies
11. Enforcement: Procedures for enforcing security and recovering the debt in accordance with Irish law
12. Notices: Requirements for formal communications between parties
13. Governing Law: Confirms Irish law governs the agreement and jurisdiction for disputes
1. Guarantor Provisions: Required when a third party guarantees the loan, including guarantor obligations and rights
2. Multiple Properties: Required when multiple properties serve as security, detailing each property's treatment
3. Insurance Requirements: Detailed insurance obligations when specific insurance types are required beyond standard property insurance
4. Property Management: Required for properties generating rental income during the loan term
5. Construction Provisions: Required for loans funding property development or renovation
6. Cross-Collateralization: Required when multiple loans or properties are cross-collateralized
7. Special Purpose Vehicle: Required when the borrower is an SPV, including additional corporate warranties
1. Property Schedule: Detailed legal description of the security property/properties
2. Payment Schedule: Detailed repayment schedule including dates, amounts, and allocation between principal and interest
3. Fee Schedule: Comprehensive list of all fees, charges, and their calculation methods
4. Form of Legal Charge: Standard form of legal charge/mortgage document
5. Insurance Requirements: Detailed specifications for required insurance coverage
6. Required Repairs: List of any required repairs or improvements to the security property
7. Drawdown Conditions: Checklist of conditions precedent to loan drawdown
8. Statutory Notices: Mandatory notices and warnings required under Irish consumer credit law
Annual Percentage Rate (APR)
Applicable Law
Approved Valuer
Borrower
Business Day
Completion Date
Conditions Precedent
Default Interest Rate
Default Event
Drawdown Date
Enforcement Action
Facility
Financial Indebtedness
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Irish Business Hours
Land Registry
Legal Charge
Lender
Loan
Loan Amount
Loan Period
Material Adverse Effect
Maturity Date
Mortgage
Notice
Outstanding Amount
Payment Date
Permitted Disposal
Property
Property Value
Receiver
Regulatory Authority
Related Rights
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Security Period
Security Property
Taxes
Title Documents
Valuation
Valuation Report
Working Day
Interest and Fees
Security and Collateral
Repayment Terms
Default and Remedies
Representations and Warranties
Covenants
Conditions Precedent
Property Maintenance
Insurance Requirements
Assignment and Transfer
Notices
Confidentiality
Force Majeure
Indemnification
Guarantees
Early Repayment
Property Valuation
Registration and Filing
Enforcement
Expenses and Costs
Governing Law
Dispute Resolution
Severability
Amendment and Modification
Term and Termination
Due Diligence
Anti-Money Laundering
Data Protection
Regulatory Compliance
Real Estate
Financial Services
Construction
Property Development
Commercial Property
Residential Property
Investment Management
Private Lending
Asset Management
Professional Services
Legal
Compliance
Risk Management
Credit Assessment
Real Estate
Investment
Finance
Operations
Collections
Document Management
Property Services
Asset Management
Lending Manager
Credit Risk Officer
Real Estate Manager
Legal Counsel
Compliance Officer
Property Developer
Investment Manager
Finance Director
Commercial Director
Asset Manager
Loan Officer
Portfolio Manager
Real Estate Broker
Private Banker
Risk Assessment Manager
Collections Manager
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