1. Guarantor Provisions: Required when there are guarantors for the loan, detailing their obligations and liability

2. Early Repayment: Include when early repayment is permitted, specifying any penalties or conditions

3. Construction Provisions: Required when the loan is for property under construction, including progress payment terms

4. Multiple Security Properties: Include when more than one property is offered as security

5. Interest Rate Review: Include for variable rate mortgages, detailing review periods and adjustment mechanisms

6. Refinancing Provisions: Required when the loan is refinancing an existing mortgage

7. Cross-Collateralization: Include when the security property secures other loans or obligations

1. Schedule 1: Property Details: Detailed description of the security property including title references and encumbrances

2. Schedule 2: Payment Schedule: Detailed amortization schedule showing payment dates and amounts

3. Schedule 3: Insurance Requirements: Specific insurance requirements including types of coverage and minimum amounts

4. Schedule 4: Special Conditions: Any special conditions or variations to standard terms

5. Appendix A: Property Valuation: Independent valuation report of the security property

6. Appendix B: Title Search: Current title search results for the security property

7. Appendix C: Disclosure Statement: Required disclosures under the Credit Contracts and Consumer Finance Act