Direct Online Mortgage application

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1 Virgi Moey plc Direct Olie Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad icludes our successors ad assigs. The first thig we would like to kow is your iteded completio date (date of etry if i Scotlad) if this is a house purchase loa: / / Please ca you also tell us your iteded date for exchage of cotracts (if applicable): / / Your applicatio umber (this ca be foud o your decisio certificate): Thak you VMP1403V2 Versio: 22/02/2014 Mortgage applicatio 1/19

2 We aim to make it as easy as possible for you to apply for your mortgage, so please read the followig otes before you start. If you have ay questios, our staff will be pleased to help you. Our telephoe umber is * Importat customer iformatio: If you provide all the iformatio we ask for it will speed up the applicatio process oly whe this form ad your valuatio/admiistratio fees have bee received by us, ca we process your applicatio You may ot have to aswer all the sectios i this form depedig o your requiremets or circumstaces we will be happy to advise you about this Please use block capitals ad black ik ad iitial ay alteratios you eed to make For joit mortgage applicatios you will eed to complete both colums where ecessary If you eed extra space you may use Part 13: Additioal Iformatio If you are a Guarator ad ot a borrower, you will eed to complete Parts 1-5, ad sig Part 14 If there are more tha two applicats ad/or Guarators, you will eed to complete a extra mortgage applicatio form Please ote that it is a offece to kowigly give false, iaccurate or misleadig iformatio whe applyig for a mortgage. If you give such iformatio, you may face crimial prosecutio ad/or civil actio for the recovery of ay losses icurred by us. Alterative format If you require this i a alterative format such as Braille, large prit, audio or require iterpreter services, please call our Disability Awareess Team o Lies are ope 9am to 5pm Moday to Friday ad are charged at your service provider s prevailig rate. Alteratively, our text phoe umber is or you ca cotact us at These cotact details should ot be used for geeral equiries relatig to your accout. If you have a complait, please let us kow as soo as possible so that we ca look ito it for you. You ca write to the Customer Relatios Team, Virgi Moey plc, Gosforth, Newcastle upo Tye NE3 4PL or If we are ot able to put thigs right to your satisfactio, you have the right to refer your complait to the Fiacial Ombudsma Service for idepedet adjudicatio. If you would like a copy of our Iteral Complait Procedures leaflet, this is available o request. *Lies are ope Moday-Friday 8am-8pm, Saturday 9am-3pm ad Suday 10am-3pm. Mortgage applicatio summary (to give us a quick overview of your requiremets) a Please give your Key Facts Illustratio umber if you have oe that relates to this applicatio b Have you already bee give a Decisio I Priciple? If : please also give the referece umber Ref. c Is this a ew purchase or a remortgage? New purchase Remortgage d Where is the property you are buyig/remortgagig located? Eglad Wales Scotlad rther Irelad e Please give full details of the product you are applyig for Full ame (e.g. 2 year Fixed Rate) Iitial iterest rate % Product code (if kow) Mortgage applicatio 2/19

3 Accout umbers (for existig customers oly) a Which accouts do you already have with Virgi Moey plc? First applicat/guarator (delete as applicable) Residetial Mortgage Curret Accout Buy to Let Mortgage Savigs Secod applicat/guarator (delete as applicable) Residetial Mortgage Curret Accout Buy to Let Mortgage Savigs b Please give the accout umbers If you are a existig customer lookig to move home please call us o to discuss your optios. 1 Your details About you (all applicats) 1 Title / Surame e.g. Mr, Mrs, Miss, Ms, Dr, Rev, other 2 Your first ame(s) First applicat/guarator (delete as applicable) Secod applicat/guarator (delete as applicable) 3 Date of Birth i six digits e.g. 06/09/75 / / / / 4 Marital status Sigle Married Divorced Sigle Married Divorced Widowed Separated Co-habitig Widowed Separated Co-habitig 5 Natioality 6 Sex Male Female Male Female 7 Previous ame(s), maide ame or ay other ame(s) by which you are kow, or have bee kow withi the last six years 8 Do you have ay depedats? A depedat is a perso who is ot amed o the mortgage but is supported fiacially by a party to that mortgage As First applicat If : please give their ame(s), date(s) of birth ad relatioship to you 9 Permaet address icludig postcode As First applicat 10 Telephoe umbers icludig STD codes Home Home Mobile Mobile Work Work Preferred cotact time: AM PM Eveig Preferred cotact time: AM PM Eveig 11 address Mortgage applicatio 3/19

4 1 (cotiued) 12 Whe did you move to your permaet address? If less tha 3 years ago: please tell us your previous address(es) over the last 3 years, ad how log you lived there Give your most recet address first; if you eed space for more tha oe previous address, please use Part 13: Additioal Iformatio First applicat/guarator (delete as applicable) / / From: / / To: / / Secod applicat/guarator (delete as applicable) As First applicat / / From: / / To: / / 2 Your preset residece 1 At your permaet address, are you: If other, please specify First applicat/guarator (delete as applicable) Ower occupier Other Teat Livig with family/frieds Secod applicat/guarator (delete as applicable) Ower occupier Other Teat Livig with family/frieds 2 Do you have a mortgage o this property? Questios 3 to 7 are oly applicable if you have ticked ower occupier i questio 1 above ad you have a mortgage o that property First applicat/guarator (delete as applicable) Secod applicat/guarator (delete as applicable) 3 Outstadig balace o mortgage 4 What is the curret value of the property? 5 Do you ited to sell the property o which this mortgage is secured ad repay all of this mortgage before, or at the time of, completig o the ew property? If : how will the property be used? 6 Mortgage accout umber 7 Name ad address of mortgage leder As First applicat Mortgage applicatio 4/19

5 3 Your fiacial outgoigs ad credit history Please ote that it is a offece to kowigly give false, iaccurate or misleadig iformatio whe applyig for a mortgage. If you give such iformatio, you may face crimial prosecutio ad/or civil actio for the recovery of ay losses we icur. Your curret mothly outgoigs (all applicats) Please tell us about all your mai mothly outgoigs icludig residetial mortgages, Buy to Let mortgages, bak loas, curret credit/store cards ad hire purchase agreemets that eed regular paymets. We will use this iformatio to assess whether you ca reasoably afford the mortgage paymet. 1 Leder s ame Fiacial Commitmet 1 Fiacial Commitmet 2 Fiacial Commitmet 3 Fiacial Commitmet 4 Fiacial Commitmet 5 2 Type of commitmet Credit card Credit card Credit card Credit card Credit card Usecured Usecured Usecured Usecured Usecured Secured Secured Secured Secured Secured Mortgage Mortgage Mortgage Mortgage Mortgage Please tick if this is a self supportig Buy to Let Mortgage Overdraft Overdraft Overdraft Overdraft Overdraft 3 Borrower(s) First applicat/ Guarator First applicat/ Guarator First applicat/ Guarator First applicat/ Guarator First applicat/ Guarator Secod applicat/ Guarator Secod applicat/ Guarator Secod applicat/ Guarator Secod applicat/ Guarator Secod applicat/ Guarator Other Other Other Other Other 4 Referece/accout umber 5 Outstadig balace 6 Regular mothly paymet 7 Date balace(s) due to be repaid (if applicable) 8 Is the loa secured agaist your curret home? 9 Assumig that this mortgage is approved, will the balace of the loa/credit have bee repaid by the, or be repaid by this mortgage? pm pm pm pm pm / / / / / / / / / / 10 What are the TOTAL regular mothly loa/credit paymets that you will still be liable to pay each moth i additio to this mortgage? This is the total of the figures give i questio 6 (above) plus ay further loas that you will have detailed i the Additioal Iformatio Sectio. Please do't iclude paymets of ay loa/credit that will be repaid by that time, or that will be repaid by this mortgage TOTAL pm 11 Have you made a applicatio for ay credit commitmets other tha those that have bee declared, where you are still waitig for a respose? If : please give details Mortgage applicatio 5/19

6 3 (cotiued) Your other mai mothly outgoigs (all applicats) We will use this iformatio to assess whether you ca reasoably afford the ew loa paymet. 12 Mothly regular household & commuicatios expediture 13 Mothly regular housekeepig expediture 14 Mothly regular childcare/educatio expediture 15 Mothly regular car & travel expediture 16 Mothly regular isurace & ivestmets expediture 17 Total regular mothly household expediture (totals of questios 12-16) 18 Mothly maiteace/csa paymets pcm pcm pcm pcm pcm pcm pcm 19 Are you aware of ay future chages to your expediture which may impact o your ability to repay the mortgage? If : please give details Your credit history (all applicats) 20 Have you ever had a Couty Court Judgmet or ay other Court Order for o-paymet of a debt made agaist you? If : please give the date(s), the amout(s) ivolved ad tell us whether the judgmet/order was satisfied 21 Have you or your spouse (or Guarator if applicable) ever icurred mortgage, ret or loa (icludig credit card) arrears, bee refused a mortgage or credit, bee declared bakrupt, etered ito ay arragemets with creditors, or bee party to a mortgage where the property has bee take ito possessio o either a volutary or eforced basis? If : please give details icludig dates, leder(s) ad the circumstaces of the default or loa refusal First applicat/guarator (delete as applicable) Secod applicat/guarator (delete as applicable) Mortgage applicatio 6/19

7 4 Your occupatio ad icome details (oly applicable to employees [icludig compay Directors/Parters]) Please ote that it is a offece to kowigly give false, iaccurate or misleadig iformatio whe applyig for a mortgage. If you give such iformatio, you may face crimial prosecutio ad/or civil actio for the recovery of ay losses we icur. If you hold 20% or more of the shares i the compay that you work for, you must also complete Part 5. Your employmet details (all applicats) 1 What is your employmet status? If you are a Director or Parter, please tell us what percetage shareholdig you have If Retired, please ow go straight to Part 4: Questio 16 2 What is your occupatio? First applicat/guarator (delete as applicable) Employed Director/ Parter Self employed Retired with a shareholdig of % Secod applicat/guarator (delete as applicable) Employed Director/ Parter Self employed Retired with a shareholdig of % 3 Employer s ame ad address 4 Nature of employer s busiess 5 Employer s telephoe umber icludig STD code 6 Is this employmet permaet? If : please tell us the date that the employmet period will ed / / / / 7 If your employmet is o a cotract basis, will your cotract be reewed? If : please give details 8 If your employmet is ot permaet, is it o a probatioary basis? If : please give details 9 Is the work: 10 Whe did you start workig at this compay? Full time Part time Full time Part time / / / / 11 What is your works/payroll/employee staff umber? 12 Natioal Isurace umber 13 Your Tax details which ca be foud o ay of your correspodece from HM Reveue & Customs Tax office ame Tax referece umber Tax office ame Tax referece umber 14 What is your gross aual salary? (before tax) 15 How much regular gross overtime do you get per year? (before tax) 16 How much regular gross bous ad commissio do you get per year? (before tax) pa pa pa pa pa pa Mortgage applicatio 7/19

8 4 (cotiued) 17 If you receive ay other regular icome, please give the gross amout you receive per year ad the source of the icome e.g. from a secod job, pesio, property, ivestmet icome First applicat/guarator (delete as applicable) Secod applicat/guarator (delete as applicable) pa pa pa pa 18 What is your aticipated retiremet age (if applicable)? If this will be before the ed of the mortgage term: please provide evidece of pesio arragemets which must be registered with HM Reveue & Customs years years 19 Are you aware of ay future chages to your icome which may impact o your ability to repay the mortgage? If : please give details If you hold 20% or more of the shares i the compay that you work for, please ow also complete Part 5 5 Your self-employed icome details (oly applicable to self-employed ad Directors with a shareholdig of 20% or more) Please ote that the busiess must: Have bee i operatio for at least 2 years with 2 years accouts available Have bee profitable i each of the last 2 years Be solvet the capital accout must ot be i deficit/the assets must outweigh the liabilities i each of the last 2 years It is a offece to kowigly give false, iaccurate or misleadig iformatio whe applyig for a mortgage. If you give such iformatio, you may face crimial prosecutio ad/or civil actio for the recovery of ay losses we icur. If you hold 20% or more of the shares i the compay that you work for, you must also have completed Part 4. 1 Compay ame, address ad cotact details First applicat/guarator (delete as applicable) Secod applicat/guarator (delete as applicable) 2 Nature of busiess Telephoe Telephoe 3 O what basis do you trade? If Limited compay: please give details Subcotracted Sole tradig Partership Limited compay Limited compay registratio umber VAT registratio umber Fiacial year ed date / / Subcotracted Sole tradig Partership Limited compay Limited compay registratio umber VAT registratio umber Fiacial year ed date / / Mortgage applicatio 8/19

9 5 (cotiued) 4 Date busiess started First applicat/guarator (delete as applicable) / / / / Secod applicat/guarator (delete as applicable) 5 Natioal Isurace umber 6 Your Tax details which ca be foud o ay of your correspodece from HM Reveue & Customs 7 What is your share of the compay s et taxable profit for the last three tax/tradig years? Please also eter which tax year each amout refers to 8 If you receive a salary i additio to your share of the et taxable profit, how much do you get: a) gross per year? (before tax) b) et per moth? (after tax) 9 If you receive ay other regular icome, please give the gross amout you receive per year ad the source of the icome e.g. from a secod job, pesio, property, ivestmet icome Tax office ame Tax referece umber pa Year edig: 2 0 pa Year edig: 2 0 pa Year edig: 2 0 pa pm pa pa Tax office ame Tax referece umber pa Year edig: 2 0 pa Year edig: 2 0 pa Year edig: 2 0 pa pm pa pa 10 Compay Accoutat s ame, address ad cotact details. If the accoutat does ot hold suitable qualificatios, HM Reveue & Customs evidece will be requested Telephoe Telephoe 11 What is your aticipated retiremet age? years years If this will be before the ed of the mortgage term: please provide evidece of pesio arragemets which must be registered with HM Reveue & Customs 12 Are you aware of ay future chages to your icome which may impact o your ability to repay the mortgage? If : please give details Mortgage applicatio 9/19

10 6 Mortgage loa details Your mortgage loa requiremets (all applicats) If we have already set you a mortgage Key Facts Illustratio, please check that the details you give below match those detailed i that illustratio. 1 Please give the full ame of the product you require e.g. 1 year Fixed Rate 2 Iitial iterest rate as show o your Key Facts Illustratio: Sectio 4 % 3 Fees that do t have to be paid at the outset of this applicatio ca be added to the mortgage. Do you wat to do this? If, you will icur iterest charges o these fees at the prevailig iterest rate util they have bee paid If, please see Sectio 8 of your Key Facts Illustratio 4 Total amout of mortgage loa required o this property 5 Mortgage term/repaymet period i years years 6 Will this property be the primary residece for all applicats? 7 Have you applied i the last six moths to ay other leder for a mortgage o this or ay other property? If : please give details Leder Outcome You've chose this mortgage o a repaymet basis. 7 If the property to be mortgaged is a ew purchase 1 Property purchase price (et of ay discouts ad icetives) 2 Deposit amout 3 What is the source of the deposit? e.g. ow persoal savigs, iheritace, sale of preset home, gift 4 Are you a first time buyer? 5 Is it a former or curret Local Authority, rther Irelad Housig Executive, Miistry of Defece or Housig Associatio property? If ad it is curret : what is the Right to Buy valuatio? (former) (curret) Mortgage applicatio 10/19

11 8 If your property is beig remortgaged (chagig leder without movig house) 1 Origial purchase price (et of ay discouts ad icetives) 2 Date of purchase 3 Date existig mortgage loa started / / / / 4 Estimated curret property value 5 Outstadig balace o the existig mortgage 6 Please give details about the existig mortgage Date started / / Repaymet type Purpose of loa 7 If there are ay other loas secured o this property, please tell us how much the loa(s) is/are ad give details If you have more tha oe loa, please give the same details i Part 13: Additioal Iformatio Date started / / Repaymet type Purpose of loa 9 About the property 1 Type of property If other, please specify House Flat/maisoette Bugalow Other 2 Descriptio of the property Detached Semi-detached Terraced Part of block 3 Number of garages (if ay) 4 If the property has allocated parkig, is it off-site or o-site? Off-site O-site 5 Is the property ext to or above retail/busiess premises? If, we may ot be able to proceed with your applicatio please give details ad refer to us Positio of premises i relatio to your property Type/use of premises Mortgage applicatio 11/19

12 9 (cotiued) Property details (all property types) 6 What is the teure of the property? Leasehold Freehold Absolute Owership If leasehold: please give details 7 Please give details of the accommodatio Please ote that esuites without a bath, ad shower rooms, do t cout as bathrooms. Outbuildigs are buildigs like detached workshops, stables ad bars Remaiig term Number of livig rooms Number of bathrooms Other (please specify) Groud ret per year Number of bedrooms Number of separate toilets Service charge per year Number of kitches Number of outbuildigs 8 Costructio type of the walls If other, we may ot be able to proceed with your applicatio please give details ad refer to us Stoe Brick Timberframe Other 9 What is the roof made of? If other please specify 10 What type of roof does the property have? If other please specify Slate or tile Flat Other Pitched 11 Full address of the property Other 12 Whe was the property built? If you do t kow the exact year, please give the approximate year that it was built 13 Is the property wholly for your ow or your depedats private residetial purposes? If : please give details 14 Will this property be your mai residece? 15 Will at least 40% of the property be used for residetial use? If : please idicate what percetage of the property will be used for residetial use ad tell us for what other purpose the property is used e.g. let to teats, let to family, part busiess/part private Questios 16 to 19 are oly applicable to flats ad maisoettes 16 If the flat/maisoette is i a block, please give details Number of flats i block Number of storeys i block O what floor is the flat 17 Is the property: If the property is a studio, we may ot be able to proceed with your applicatio please refer to us Coverted Maisoette Purpose built Studio 18 Does the property have a lift? 19 Does the property have deck access (if applicable)? Access to the flat is via a commual exteral ope deck/balcoy If, we may ot be able to proceed with your applicatio please refer to us Mortgage applicatio 12/19

13 9 (cotiued) Questios 20 to 22 are oly applicable if the property is a ew build or uder 10 years old 20 Please give the ame of the builders who built, or are buildig, the property 21 Are these builders registered with ay of the followig schemes: NHBC, Zurich Newbuild, Premier Guaratee, LABC New Home Warraty, Buildig LifePlas, Build Assure, Build-zoe ad Castle 10? If : please give details of the chartered architects or chartered surveyor who supervised, or are supervisig, the build Builders ame Architect/surveyor Address 22 If this is a ew build property, are you gettig ay discouts or icetives as part of the package? If : please give details 10 About the valuatio We will eed to obtai a valuatio of the property to be mortgaged, which will be carried out by a valuer istructed by us. Our Mortgage Valuatio Report is a limited report iteded for our valuatio purposes oly. We recommed that you have a more detailed HomeBuyer Report or Buildig Survey report udertake for your ow purposes. For full details of the differet types of valuatio ad survey, please refer to us. Mortgage Valuatio report This is a limited report ad is ot a survey of the property. It is prepared solely for our purposes ad as such should ot be relied o by you as a report o the property s coditio. HomeBuyer Report This is a more detailed report o the geeral state of repair ad coditio of the property, produced i a format approved by the RICS. It is produced o your behalf by a chartered surveyor to idetify sigificat defects, repairs ad features which affect the property. If you choose this optio, we may be able to arrage for it to be carried out at the same time as the Mortgage Valuatio report. (Please ote that a direct cotractual relatioship exists betwee yourself ad the valuer with this type of survey. You will eed to cofirm that you accept the stadard Coditios of Egagemet by sigig a acceptace form ad returig it to the idepedet firm of valuers). Buildig Survey This is a highly detailed survey report givig a comprehesive review of the property s coditio. Although we may be able to arrage for it to be carried out at the same time as the Mortgage Valuatio report, your cotract will be directly with the valuer for the Buildig Survey ad you will eed to pay them for this. (Please ote that a direct cotractual relatioship exists betwee yourself ad the valuer with this type of survey. You will eed to cofirm that you accept the stadard Coditios of Egagemet by sigig a acceptace form ad returig it to the idepedet firm of valuers.) Mortgage applicatio 13/19

14 10 (cotiued) 1 If you have ot yet had a valuatio, what type of report do you require for your purposes? Please ote, if a selectio is ot made, a Mortgage Valuatio report will be carried out o the property Mortgage Valuatio report HomeBuyer Report Buildig Survey 2 If this is a Scottish purchase ad a valuatio has already bee carried out o the property, what was the cost of the valuatio ad what type of valuatio report did you have? Valuatio cost Mortgage Valuatio report HomeBuyer Report Buildig Survey 3 Please tell us the ame, address ad telephoe umber of either: a) the perso who the valuer ca cotact to arrage a viewig of the property if a valuatio has t bee carried out yet Please also idicate who the cotact is (e.g. estate aget, vedor); or b) for Scottish purchases, the perso who carried out the valuatio, if it has already bee doe Telephoe Who is the cotact 4 Please give details of the estate aget/sellig aget if differet from the cotact give i questio 3 Telephoe 11 Your solicitor/licesed coveyacer details 1 If you have t already doe so, do you wat us to appoit a solicitor o your behalf? If : please give the ame ad address of the firm ad cotact details for your solicitor/licesed coveyacer You hereby authorise your coveyacer ad your broker to sed their etire file relatig to this trasactio (ot just the loa) to us at our request. Name of solicitor dealig with your case Telephoe Fax 12 Buildigs ad Cotets Isurace Buildigs ad Cotets Isurace (all applicats) It is a coditio of your mortgage that your property is adequately isured. We ca arrage this for you with Capita Isurace Services. Please idicate whether you require a quotatio, or whether you have already arraged cover for yourself. Please ote, where you have ot made isurace arragemets, we reserve the right to cotact you ad provide a quotatio. I would like you to provide a quotatio: I have made alterative arragemets: If you have made alterative isurace arragemets, please give the ame ad address of the isurace compay ad the amout of buildigs cover. If you have ot yet chose a isurace compay, please idicate how much cover you will be applyig for ad forward the compay details to us as soo as isurace has bee arraged. Please ote, we reserve the right to refuse ay isurace proposal that you have arraged if we do ot cosider it satisfactory. Amout of cover Mortgage applicatio 14/19

15 13 Additioal Iformatio Use this sectio if you eed more space to aswer ay questios First applicat/guarator (delete as applicable) Part Questio Further details o. o. Secod applicat/guarator (delete as applicable) Part Questio Further details o. o. Mortgage applicatio 15/19

16 14 Declaratio Before sigig the applicat(s) Declaratio o the ext page: Please esure that you have read the importat customer iformatio at the begiig of this form Please check your aswers i each sectio to esure you have give us all the iformatio we eed to process your applicatio. The checklist at the ed of this form will help you with this The iformatio you give will form the basis of your cotract with us. If there are ay other material facts that could reasoably be costrued as likely to ifluece our decisio about this loa applicatio, but which have ot bee revealed as a result of aswerig specific questios withi this applicatio form, you must tick this box ad provide details i Part 13: Additioal Iformatio: We give o assurace that by the makig of a advace, the price agreed to be paid for the property is reasoable You agree ad declare that: 1 A Mortgage Valuatio Report will be arraged by us. You uderstad that this report is iteded solely for the purpose of us i cosiderig this applicatio for a loa, ad is ot iteded to be a detailed ispectio of the property. 2 Neither we or our valuer warrats that the coditio of the property or the price paid is reasoable, ad that it is for you to satisfy yourself as to the value ad coditio of the property. If you require, we ca itroduce you to firms of chartered surveyors you ca istruct to carry out a more detailed Homebuyer s Survey ad Valuatio, or a Buildig Survey. 3 You certify that where the loa is paid by oe applicat, the that paymet should be treated as made for, ad o behalf of, all applicats. 4 You agree to keep the property fully isured util the loa is fully repaid. 5 You are over 18 years of age. 6 You apply for a loa to be made o the security of the property. The applicable applicatio ad valuatio fees are set out i your Key Facts Illustratio ad you have either eclosed a cheque for this amout or agree that we may debit your debit/credit card with this amout. 7 You accept that oe of the terms of applyig for a loa is that we eed ot give ay reaso for decliig the applicatio. 8 You will ot let the property without our prior writte coset. 9 You uderstad that where either a paymet holiday or refud of overpaymets is requested by oe applicat, the it will be treated as made for, ad with the agreemet of, all applicats. If we become aware of a dispute betwee borrowers, the we reserve the right to susped the paymet holiday or refud of overpaymets facility, util we are satisfied that the dispute has bee resolved. 10 You uderstad that where the mortgage is i joit ames, the authority of oly oe of you is ecessary to request a paymet holiday or refud of overpaymets. 11 You uderstad that we will be the sole arbiter about the method used to sed refuds of overpaymets. 12 You authorise Virgi Moey plc or ay solicitor/licesed coveyacer appoited by us to obtai accout iformatio (icludig repaymet figures) from your leder. 13 You uderstad that we may trasfer, or otherwise dispose of, the beefit of the proposed loa, mortgage ad other security for the loa to ay perso without further referece to you. By sigig this applicatio form you will be givig your geeral coset to us to trasfer, or otherwise dispose of, the proposed loa, mortgage ad other security for the loa should we so wish. 14 You uderstad that we may disclose iformatio ad documets relatig to you, the property, the mortgage ad the coduct of the mortgage accout to ay trasferee or potetial trasferee. 15 Regulated Mortgage Cotracts: The Fiacial Coduct Authority (FCA) regulate most ew mortgage cotracts etered ito i the UK. Mortgages where less tha 40% of the lad used as security is used as or i coectio with a residetial dwellig are ot classed as Regulated Mortgage Cotracts. Applicatios via mortgage itermediaries where you have asked a itermediary for advice ad a recommedatio about a mortgage product, the itermediary is resposible to you for ay advice they give or ay recommedatio they make. You should otify the itermediary of ay material chages that may be made to the applicatio i order that they ca provide you with a revised Key Facts Illustratio. 16 Guarators: If you are completig this form i your capacity as Guarator(s), you are remided that you may have to pay us ay amout which the borrower(s) owes us istead of, or as well as, the borrower(s). This amout may be greater tha the origial sum advaced although a ulimited guaratee will ot be take. For further iformatio about your obligatios as Guarator(s), you should also refer to the Guarators Cofirmatio declaratio form which you have bee/will be asked to sig. You are advised to obtai idepedet legal advice regardig this trasactio so that you fully uderstad the commitmet that you are udertakig ad the potetial cosequeces of it. Usig your persoal iformatio The persoal iformatio you supply to us as well as iformatio we already hold, may be used i a umber of ways, for example, To assess ad process this ad future applicatios; To verify your idetity; To prevet fraud ad moey lauderig; To maage your accout(s); For maagemet of arrears ad debt collectio; For audit purposes, research ad statistical aalysis; ad To idetify other products ad services which might be suitable for you (with your coset). (a) We may share your iformatio with, ad obtai iformatio about you from the Coucil of Mortgage Leders Possessio Register, credit referece agecies ad fraud prevetio agecies as outlied above. This may iclude details of ay previous or subsequet ames. (b) If false or iaccurate iformatio is provided ad fraud is idetified, details will be shared with fraud prevetio agecies ad this iformatio may be accessed ad used by law eforcemet to prevet fraud ad moey lauderig. For further details as to how your iformatio held by fraud prevetio agecies may be used please see below. (c) We may seek appropriate refereces we cosider ecessary i respect of this applicatio. You will meet the costs for this. (d) I additio to the above we will ot ordiarily disclose iformatio to other orgaisatios except to help prevet fraud ad moey lauderig, where we are required by law, permitted uder the Data Protectio Act or i order to process your applicatio. Where we pass o iformatio, it will be looked after with the same level of care. (e) I order for us to offer you the best levels of service, we would like to provide you with iformatio from time to time about products ad services by post, fax, telephoe, or other electroic meas. This may iclude other firm s products although we will ot disclose your iformatio to them. Please tick here if you do ot wish to receive this iformatio. You declare that you are etitled to disclose iformatio about all applicats ad/or ayoe else referred to by you ad authorise us to search, lik ad/or record iformatio at credit referece agecies about you ad ayoe else referred to by you. For further iformatio o how your iformatio may be used by credit referece agecies, fraud prevetio agecies, ad ourselves, visit our website or cotact The Data Protectio Officer, Virgi Moey plc, Freepost NT45, PO Box 2, Newcastle upo Tye NE3 4BR. You ca obtai a copy of the iformatio we hold about you (for a fee) by writig to the above address. You also have a right to have ay iaccuracies deleted or corrected. Mortgage applicatio 16/19

17 14 (cotiued) Sigature(s) ad applicat(s)/guarator(s) Declaratio Before you sig, please check your aswers throughout this form to esure that you have provided all the iformatio we eed. You declare that the statemets ad particulars give i this applicatio are, to the best of your kowledge ad belief, true ad complete. By sigig this applicatio form you will be agreeig that ay perso iterested ow, or i the future, i the loa, the mortgage ad other security may rely upo the truth ad accuracy of the iformatio cotaied i this applicatio ad ay supportig documetatio, iformatio or security. It is a offece to kowigly give false, iaccurate or misleadig iformatio whe applyig for a mortgage. If you give such iformatio you may face crimial prosecutio ad/or civil actio for recovery of ay losses icurred by us. First applicat/guarator (delete as applicable) Secod applicat/guarator (delete as applicable) Sigature Date Sigature Date DON T WRITE BELOW THIS LINE Mortgage applicatio 17/19

18 15 Paymet details Valuatio/applicatio fees (all applicats) Your valuatio/applicatio fees ca be paid by cheque, debit or credit card (we do t accept cash paymets). Please ote that we caot process your applicatio util the cheque or debit/credit card details are received by us. If you re payig by cheque, please make it payable to Virgi Moey plc ad eclose it with your applicatio. If you re payig by debit/credit card, please do ot supply your card details o this mortgage applicatio form. A member of our Mortgage Processig Team will cotact you upo receipt of your applicatio form. We are uable to istruct the Valuatio/Homebuyers Report util we have take your valuatio/applicatio fee, so please esure you have supplied a telephoe umber where we ca cotact you betwee the hours of 9am ad 5pm, Moday to Friday. Please ote, we do ot accept America Express or Diers Cards. Direct Debit for your mothly mortgage paymets (all applicats) This Direct Debit istructio must be fully completed, siged ad dated before your applicatio ca be processed. If you complete this form, your mortgage paymets will be collected from your bak accout by Direct Debit ad you will ot eed to set up a Stadig Order. Direct Debit paymets are collected o the 1st day of each caledar moth, except for the first paymet which will be collected o the 7th day of the first moth after completio of the mortgage. Please ote: if your Solicitor requests your loa moey towards the ed of the moth, your Completio Advice may ot reach you prior to collectio of your first paymet. I this istace please refer to your Offer of Loa (Sectio 6), which will cotai your paymet details. Istructio to your Bak or Buildig Society to pay Direct Debits: Virgi Moey plc, Registered Office, Jubilee House, Gosforth, Newcastle upo Tye NE3 4PL. Registered i Eglad ad Wales: Compay Name ad full postal address of your Bak or Buildig Society brach Service User Number To: The Maager Bak or Buildig Society 2 Name(s) of accout holder(s) 3 Referece. (VM use oly) 4 Brach sort code 5 Bak/Buildig Society Accout. 6 Virgi Moey plc Mortgage Accout. 7 Istructio to your Bak or Buildig Society Please pay Virgi Moey plc from the accout detailed i this istructio subject to the safeguards assured by the Direct Debit Guaratee. I uderstad that this istructio may remai with Virgi Moey plc ad, if so, details will be passed electroically to my Bak/Buildig Society. Sigature Date Sigature Date Baks ad Buildig Societies may ot accept Direct Debit istructios for some types of accout Virgi Moey plc Registered i Eglad ad Wales (Compay ). Registered Office Jubilee House, Gosforth, Newcastle upo Tye NE3 4PL. Authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. virgimoey.com Tear off ad keep the Direct Debit Guaratee somewhere safe The Direct Debit Guaratee this guaratee should be detached ad retaied by the Payer This Guaratee is offered by all baks ad buildig societies that accept istructios to pay Direct Debits. If there are ay chages to the amout, date or frequecy of your Direct Debit Virgi Moey plc will otify you 10 workig days i advace of your accout beig debited or as otherwise agreed. If you request Virgi Moey plc to collect a paymet, cofirmatio of the amout ad date will be give to you at the time of the request. If a error is made i the paymet of your Direct Debit by Virgi Moey plc or your bak or buildig society you are etitled to a full ad immediate refud of the amout paid from your bak or buildig society. If you receive a refud you are ot etitled to, you must pay it back whe Virgi Moey plc asks you to. You ca cacel a Direct Debit at ay time by simply cotactig your bak or buildig society. Writte cofirmatio may be required. Please also otify us. Mortgage applicatio 18/19

19 Checklist To help us process your applicatio more quickly, please check the followig as a icomplete form ca cause delays. Photocopies ca be set if origial documets are uavailable, however, these must be certified. Please do ot eclose copies of ay illustratios you have bee give you should retai these for future referece. All applicats please check that you have: siged ad dated the Declaratio i Part 14 siged ad dated the Direct Debit istructio(s) i Part 15 icluded your Valuatio/admiistratio fee cheque (if applicable) icluded your curret leder s aual mortgage statemet (oly applicable if you already have a mortgage) icluded your curret P60 form (ed of tax year statemet) icluded evidece of your projected pesio icome if the mortgage term exteds beyod your iteded retiremet age If you are a employee please check that you have icluded: 2 out of the last 4 mothly payslips, ad latest P60 or if paid weekly 4 out of the last 6 weekly payslips, ad latest P60 If you are self-employed please check that you have icluded: last two years accouts, or accoutat s certificate, or last two years HM Reveue ad Customs SA302 forms If you are retired or are ledig ito retiremet please check that you have icluded: latest aual pesio statemet (must be dated i last 12 moths), or 2 out of the last 6 moths pesio slips, or 2 out of the last 6 moths bak statemets showig pesio credits, or latest P60 or SA302 If the property is beig remortgaged please check that you have: icluded ay plas/estimates ad plaig coset/buildig regulatios for work to be doe to your home (oly applicable if fuds are beig borrowed for Home Improvemets) Thak you for completig this applicatio. Please forward photocopies of ay documets that are required. Origial documets are ot required, but we may ask for them at a later stage. Please retur this form as soo as possible to: Virgi Moey plc Jubilee House Gosforth Newcastle upo Tye NE3 4PL Assumig your applicatio icludes all the iformatio we have asked for ad is approved, we will cotact you to cofirm this. Virgi Moey plc Registered i Eglad ad Wales (Compay ). Registered Office Jubilee House, Gosforth, Newcastle upo Tye NE3 4PL. Authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. virgimoey.com Mortgage applicatio 19/19

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