Mortgage Application Form

Transcription

1 Mortgage Application Form Mortgage Application Pre-Conditions (fields marked with must be filled in) Are all applicants aged 18 or above? Is the property the applicant's main residence and located in rthern Ireland? Are all applicants permanent residents in rthern Ireland? Danske Bank may contact you to discuss this application. This application form is divided into the following sections: Documentation we require you to submit pages 2-3 Section 1 - Intermediary Details page 4 Section 2 - Loan Details pages 5-6 Section 3 - Personal Details page 7 Section 4 - Employment Details pages 8-9 Section 5 - Existing Property Details/Net Monthly Expenditure page 10 Section 6 - Net Monthly General Expenditure page 11 Section 7 - Additional Property Details/Net Monthly Expenditure pages Section 8 - Bank and Building Society Accounts page 13 Section 9 - Commitments page 13 Section 10 - New Property Details/Net Monthly Expenditure pages Section 11 - Consent to Use Your Personal Information page 16 Customer Information - (this section should be given to the customer for reference) pages Please note that Danske Bank is a trading name of rthern Bank Limited, having its registered address at Donegall Square West, Belfast, BT1 6JS (registered in rthern Ireland R568). rthern Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 1

2 Documentation we require you to submit Confirm Customer Information section (pages 17-22) have been given to the customer Pages 1-16 form the application and should be returned to us with the following (where applicable): Identification and Address Verification A verified and certified copy of the identification documentation (see our ID and Address verification list) A verified and certified copy of the address documentation (see our ID and Address verification list) Evidence of Income Employed applicants Payslips for the three months immediately prior to the date of application P60 - latest Statements from their main transactional current accounts, sole and joint accounts, for the three months immediately prior to the application (not required where the applicant(s) main transactional current account is held with Danske Bank) Where the mortgage is being transferred from another lender, a copy of the latest annual mortgage statement dated within the last 12 months Self-employed applicants Personal and Business Bank account statements for the 12 months immediately prior to the application (not required where the applicant(s) main transactional current accounts are held with Danske Bank) Confirmation from customer s accountant that their Tax, PAYE and NI is up to date Previous 3 years audited / certified accounts (must be the most recent, up to date versions/if current year figures are not audited, management accounts or interim figures must be obtained) OR 3 years Tax Assessment Statements OR Accountant s letter confirming income for the three years immediately prior to the date of application te: Photocopies of the required documentation must be fully certified copies of originals. You will need to stamp, date and sign them. When certified copies are enclosed only the first page needs to be stamped and signed as certified. However, you will need to specify the number of pages enclosed i.e. 1 of 4 or 1 of 6 etc. All pages must run consecutively and be numbered by you. 2

3 documents required for all mortgage applications Printed copy of Danske Bank's Affordability Calculator If applicable, printed copy of Danske Bank's Property Valuation Calculator If applicable, evidence of deposit Posting the documentation to us Please post all documentation to us at: Mortgage Intermediary Team Danske Bank Mezzanine Floor Donegall Square West Belfast BT1 6JS If you have any questions about the information you need for any of your mortgage applications please give us a call before you submit them. 3

4 Section 1 - Intermediary Details (fields marked with must be filled in) Firm Reference Number (FRN): Intermediary Company : Intermediary Branch Address : Intermediary Branch Postcode : Intermediary Telephone : address : Fax number : Adviser name : Adviser Code : I confirm this is an Advised sale : Are you charging a broker fee for this mortgage? If yes, please confirm the amount I confirm that I have sighted original proof of ID and Address for all applicants : Intermediary Checklist I have interviewed the applicants face to face? Will the loan be secured by a first legal charge/mortgage over property/land in the UK? Is the applicant any of the following: a personal (or joint personal)? or a sole trader with an annual turnover of less than 1m? or a trustee? Will at least 40% of the area of the property /land be used as a dwelling by the applicant, a relative of the applicant or a beneficiary of the trust (where the applicant is the trustee)? 4

5 Section 2 - Loan Details (f ields marked with must be f illed in) Borrower Type : First Time Buyer Mover Re-Mortgage/switcher Purchase Change Security Right to buy Purpose of Loan : Homeloan, Additional borrowing Home Purchase Homeloan, Debt Consolidation Homeloan, Remortgage Homeloan, Product transfer Remortgages - money withdrawn : N - extra money raised, D - Extra money raised for debt consolidation, O - H - Extra money raised for home improvements, M - Extra money raised for home improvements and debt consolidation, Amount of debt consolidated: New Dwelling: Property Value What is this Value Based On? How much do you wish to borrow? Please provide a detailed breakdown with figures on how the loan amount / deposit are made up including purpose of any additional funds: 5

6 Over what repayment period do you want this loan? Years (YY) : & Months (MM) : Will this extend beyond your retirement? If so how do you propose to repay the loan after retirement? Is there any other information which is relevant to your application? Loan Type : Interest Rate : Base Rate Tracker Fixed Rate to ARRANGEMENT FEE Please select fee payment method Arrangement Fee Payment : Add to Loan Pay up front (not available for CoOwnership mortgages or where the LTV will exceed 95%) VALUATION FEE I give consent for rthern Bank Limited trading as Danske Bank ("the Bank") to obtain a valuation of the property to be mortgaged. I agree that I will be responsible for the cost of any such valuation and I will seek an estimate of the cost of the valuation from the Valuer appointed by the Bank before the valuation is carried out. I further agree that the Valuer appointed by the Bank will contact me by phone regarding payment for this valuation prior to carrying out the valuation of the property and I agree to settle the cost of the valuation directly with the Valuer appointed by the Bank. 6

7 Section 3 - Personal Details First name : Applicant First name : Joint Applicant Surname : Surname : How long at current address [MM/YY] How long at current address [MM/YY] Current Address : AND Previous Address if less than 3 years at current address. Postcode : Current Address : And Previous Address if less than 3 years at current address. Postcode : Telephone number : Telephone number : Mobile number : Mobile number : Address : Address : Birthplace : Birthplace : Country of birth : Country of birth : Date of birth (dd/mm/yyyy) : Date of birth (dd/mm/yyyy) : First borrower retirement age: Second borrower retirement age: Marital Status : Marital Status : Civil partner Cohabitant/Partner Divorced Married Married & Living Apart Separated Single Widowed Civil partner Cohabitant/Partner Divorced Married Married & Living Apart Separated Single Widowed Gender : Male Female Number of Dependants/Children and Dates of birth: Gender : Male Female Number of Dependants/Children and Dates of birth: 7

8 Section 4 - Employment Details Employment Status : Agency Contract Economically Inactive Fixed Term Contract Full-Time Part-Time Self-employed Semi-Retired Retired Student Unemployed Applicant Only detail previous Employment if less than 2 years in current job: Previous Employer Name : Length of Service with previous Employer: Years : Months : If you have any other employment please detail below: Occupation : Description : Income Frequency : Employer Name : Employer Address : As part of your employee benefits do you have any of the following : Medical Insurance Share Scheme/Options Pension Arrangement Self-employed Details : Annual Income (amounts must be regular and guaranteed) Gross Salary/Income Overtime/Commission/Bonus Net Monthly Income Length of Service with current Employer: Years : Months : Wages / Salary Rental Rental Details Pension Investment Details Income Frequency : Monthly Weekly Fortnightly How is your salary paid? Direct to Danske Bank Direct to other bank Cash Cheque Total Do you expect to remain with your existing employer? Current Rate of Income Tax % 8

9 Section 4 - Employment Details continued. Joint Applicant Employment Status : Agency Contract Economically Inactive Fixed Term Contract Full-Time Part-Time Self-employed Semi-Retired Retired Student Unemployed Only detail previous Employment if less than 2 years in current job: Previous Employer Name : Length of Service with previous Employer: Years : Months : If you have any other employment please detail below: Description : Income Occupation : Frequency : Employer Name : Employer Address : As part of your employee benefits do you have any of the following : Medical Insurance Share Scheme/Options Pension Arrangement Self-employed Details : Annual Income (amounts must be regular and guaranteed) Gross Salary/Income Overtime/Commission/Bonus Net Monthly Income Length of Service with current Employer: Years : Months : Wages / Salary Rental Rental Details Pension Investment Details Income Frequency : Monthly Weekly Fortnightly How is your salary paid? Direct to Danske Bank Direct to other bank Total Cash Cheque Do you expect to remain with your existing employer? Current Rate of Income Tax % 9

10 Section 5a - Existing Property Details Property Status : Bungalow Flat/Apartment Maisonette Town House Terrace Residential Status : Owner occupier Tenant (furnished) Tenant (unfurnished) Living with parents Detached Semi-Detached Holiday home Investment property Family Home with attaching farm Living with other relatives Lodger Provided by employer Renting from local authority Applicant Owner - Holiday Home Owner - Investment to let Owner - family use Property Status : Bungalow Flat/Apartment Maisonette Town House Terrace Residential Status : Owner occupier Tenant (furnished) Tenant (unfurnished) Living with parents Joint Applicant Detached Semi-Detached Holiday home Investment property Family Home with attaching farm Living with other relatives Lodger Provided by employer Renting from local authority Owner - Holiday Home Owner - Investment to let Owner - family use Date Purchased (mm/yyyy) : How many other parties share this ownership? What percentage do you own? Is the property to be sold? Has the property been sold? Outcome Profit/Loss : Prof it Total amount of : If yes, what was the agreed sale price Value : Outstanding Mortgage : Name of Current Lender : Mortgage Type : Capital and Interest Tracker Part C & I and Part Interest only Remaining Term (Years/Months) : Years : Months : Current Rate of Interest Interest Rate Type : Fixed Variable Discounted Tracker Capped Cash back Do you have a second mortgage or secured loan? If yes, Please detail Company name, Balance of loan and Expiry Date. % % Loss Date Purchased (mm/yyyy) : How many other parties share this ownership? What percentage do you own? Is the property to be sold? Has the property been sold? Outcome Profit/Loss : Prof it Total amount of : If yes, what was the agreed sale price Outstanding Value : Mortgage : Name of Current Lender : Mortgage Type : Capital and Interest Tracker Part C & I and Part Interest only Remaining Term (Years/Months) : Years : Months : Current Rate of Interest Interest Rate Type : Fixed Variable Discounted Tracker Do you have a second mortgage or secured loan? If yes, Please detail Company name, Balance of loan and Expiry Date. Capped Cash back % % Loss Section 5b - Existing Property Net Monthly Expenditure Applicant Joint Applicant Mortgage/Rent Mortgage/Rent Rates/Local authority charges Rates/Local authority charges Heating Heating Electricity Electricity Associated insurance policies Associated insurance policies Associated other loans Associated other loans Building/Contents insurance Building/Contents insurance Details : Details : Total net monthly expenditure : Total net monthly expenditure : 10

11 Section 6 - Net Monthly General Expenditure Applicant Joint Applicant Hire Purchase Hire Purchase Telephone Telephone TV Licence TV Licence Life Assurance Life Assurance Pension Plan Pension Plan Personal Loans Personal Loans Child Care Child Care Education fees Education fees Credit card (s) Credit card (s) Car Insurance and Road Tax Car Insurance and Road Tax Petrol Petrol Food/drink/general spend Food/drink/general spend Subscriptions (e.g. Gym / Sky etc.) Subscriptions (e.g. Gym / Sky etc.) Clothing Clothing Holiday Holiday Details : Details : Total net monthly expenditure : Total net monthly expenditure : Section 7 - Additional Property Details Applicant Joint Applicant Have you any other Properties? Have you any other Properties? Number of Additional Properties : Number of Additional Properties : If more than 1 additional property, print and fill out a copy of Pages 11 and 12 for each additional property. If more than 1 additional property, print and fill out a copy of Pages 11 and 12 for each additional property. 11

12 Section 7a - Additional Property Details Property Type : Bungalow Flat/Apartment Maisonette Town House Terrace Applicant Detached Semi-Detached Holiday home Investment property Family Home with attaching farm Property Type : Bungalow Flat/Apartment Maisonette Town House Terrace Joint Applicant Detached Semi-Detached Holiday home Investment property Family Home with attaching farm Residential Status : Residential Status : Owner occupier Tenant (furnished) Tenant (unfurnished) Living with parents Living with other relatives Lodger Provided by employer Renting from local authority Owner - Holiday Home Owner - Investment to let Owner - family use Owner occupier Tenant (furnished) Tenant (unfurnished) Living with parents Living with other relatives Lodger Provided by employer Renting from local authority Owner - Holiday Home Owner - Investment to let Owner - family use Date Purchased (mm/yyyy) : Date Purchased (mm/yyyy) : How many other parties share this ownership? What percentage do you own? % How many other parties share this ownership? What percentage do you own? % Is the property to be sold? Has the property been sold? Outcome Profit/Loss : Total amount of : Prof it Loss Is the property to be sold? Has the property been sold? Outcome Profit/Loss : Total amount of : Prof it Loss If yes, what was the agreed sale price If yes, what was the agreed sale price Value : Outstanding Mortgage : Name of Current Lender : Mortgage Type : Remaining Term (Years/Months) Years : Months : Current Rate of Interest Interest Rate Type : Value : Outstanding Mortgage : Name of Current Lender : Mortgage Type : Remaining Term (Years/Months) Years : Months : Current Rate of Interest Interest Rate Type : Section 7b - Additional Property - Net Monthly Expenditure Mortgage/Rent Rates/Local authority charges Heating Electricity Associated insurance policies Associated other loans Building/Contents insurance Capital and Interest Tracker Part C & I and Part Interest only Fixed Variable Details : Discounted Tracker Capped Total net monthly expenditure : Cash back % Applicant Mortgage/Rent Rates/Local authority charges Heating Electricity Associated insurance policies Associated other loans Building/Contents insurance Capital and Interest Tracker Part C & I and Part Interest only Fixed Variable Details : Discounted Tracker Capped Total net monthly expenditure : % Cash back Joint Applicant 12

13 Section 8 - Bank and Building Society Accounts Please provide details of all Bank and Building Society Accounts to include any savings and investments. Name / Type Provider Balance Sole / Joint Section 9 - Commitments Please provide details of any other borrowing e.g. overdrafts, credit cards, loans etc. Name / Type Provider Outstanding Balance Credit Limit (credit/store cards only Sole/ Joint Are the following up to date? Tax : PAYE : NI : 13

14 Section 10a - New Property Details Address : County : Postcode : Approximate Year of Construction : Number of Storeys : Property Type : Type of Dwelling: Number of Bedrooms: Number of Habitable Rooms : B = Bungalow, D = Detached house, S = Semi-detached house, T = Terraced house, F = Flat or maisonette in converted house, P = Purpose built f lat or maisonette, O = Garage : Is any part of the property currently let or to be let in the future? Have the applicants been advised that, under the terms of the mortgage, the Bank's consent is required to any letting and that the Bank will be in contact for further details? Please give details of any occupants other than the applicants aged 17 and over: Name : DOB (dd/mm/yyyy): Relationship : Is any financial contribution made? Details of contribution? Name : DOB (dd/mm/yyyy): Relationship : Is any financial contribution made? Details of contribution? Is the property an NIHE purchase? Solicitor Details Name of firm : Solicitor acting : Address : Selling Agent Details Name of firm : Contact name : Telephone number : If no selling agent please give contact details below of person for valuer to contact to gain access to the property : Telephone number : Please note: The Bank reserves the right to ask your solicitor or an independent solicitor to act for it in preparation of the legal mortgage/charge. The applicant will bear the costs of completion of the legal mortgage/charge and any necessary disbursements associated with same. 14

15 Section 10b - New Property Net Monthly Expenditure Mortgage/Rent Rates/Local authority charges Heating Electricity Associated insurance policies Associated other loans Building/Contents insurance Applicant Mortgage/Rent Rates/Local authority charges Heating Electricity Associated insurance policies Associated other loans Building/Contents insurance Joint Applicant Details : Details : Total net monthly expenditure : Total net monthly expenditure : Existing Danske Bank customer : Existing Danske Bank customer : Sortcode : Sortcode : Account Number : Account Number : How long with your current bank (YY): How long with your current bank (YY): Which branch would you like your mortgage and servicing account opened : Which branch would you like your mortgage and servicing account opened : The Bank will open a servicing account from which payments will be made to your mortgage account. The Bank will contact you separately by phone about this. What is the best time to call you regarding your application? The Bank will open a servicing account from which payments will be made to your mortgage account. The Bank will contact you separately by phone about this. What is the best time to call you regarding your application? (Between 9am-8pm Mon to Fri, and between 9am-4.30pm on Sat) (Between 9am-8pm Mon to Fri, and between 9am-4.30pm on Sat) 15

16 Section 11 - Consent to Use Your Personal Information Use of Your Personal Information for Credit Applications Important - Your personal information 1. Credit Decisions and also the Prevention of fraud and money laundering We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the leaf let called: A guide to how we and credit reference and fraud prevention agencies use your personal information'. By completing this application form you are confirming you are agreeing that we may each use your information in this way. 2. We store and process information about you in the ways set out in our 'How we use your personal and business information' leaf let. The mortgage intermediary will give you a copy of the leaf lets described at 1 and 2 above. Copies are also available on our website at Declaration and Consent to Use Your Personal Information (It is important that you read this declaration and consent carefully before signing) 1. I/We wish to apply for the loan details of which are described in Section I/We conf irm that I/We have read the Section entitled 'Use of Your Personal Information for Credit Applications' and by signing this form I/We agree that I/We have received a copy of the leaf lets A guide to how we and credit reference and fraud prevention agencies use your personal information' and 'How we use your personal and business information.' I/We agree that the Bank may use my/our information in the ways set out in these leaf lets. I/We further agree that this authority to use my/our information in the ways set out in the leaf lets will now also apply in relation to any existing credit facilities that I/We have with the Bank. 3. The information given on this application form is true and complete to the best of my/our knowledge and belief. I/We undertake to notif y the Bank of any changes in my/our circumstances (which does or may af fect the information provided), prior to any mortgage being granted and to observe the utmost good faith towards the Bank at all times. The Bank may make such enquiries as it considers necessary whether from a credit reference agency (who will keep a record of the enquiry). I/We understand and agree that the Bank may contact me/us, my/our employer(s) or such other persons as it deems necessary to conf irm the information that has been given on this form. 4. I/We understand that the Bank does not guarantee that the purchase price is reasonable. 5. I/We have been advised to obtain a fuller inspection and Surveyor's report and not to rely on the valuation report when deciding whether to proceed. If I/we do not request a fuller inspection and Surveyor's report, I/we accept the risk that the property may suf fer from serious defects or that the valuation report may contain signif icant inaccuracies or omissions. 6. I/We understand that no responsibility is accepted by the Bank for the accuracy or validity of any statements or opinions made or implied in the valuation report. 7. I/We agree that the Bank will instruct a valuer to carry out a professional valuation of the property to be purchased. I/We agree that we will be responsible for paying the valuer's fees and will pay these to the valuer on demand. 8. I/We understand that if this application is successful, the Bank will issue an of fer to me/us, subject to such terms and conditions as may be set out therein. I/We understand that one of those conditions will be that I/we provide a f irst legal mortgage/charge over the property described under the heading New Property Details in Section 10. I/We agree to pay any legal costs incurred by the Bank in connection with obtaining the said legal mortgage/charge and understand that such costs may be debited to my/our servicing account at future date(s) as and when they arise. 9. I/We agree that the Bank may charge any applicable Booking Fee and Arrangement Fee to my/our servicing account on approval of the loan. 10. I/We agree that the Bank has not given me/us any advice or recommendation about the mortgage product that I/we have applied for. te: For applications in more than one name and where the parties share the same address, we will send a single copy of the information addressed to each of the parties. Where the parties live at dif ferent addresses, a copy will be sent to each address. Additional copies may be provided on request. Please take time to check the information that you have entered on this application form. The Bank will rely on this information when deciding whether or not to grant you the mortgage which you have applied for. If there is anything that you are unsure about you should discuss this with your adviser before signing this form. Date / / Applicant's Signature Date / / Applicant's Signature YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 16

17 Customer Information This section contains the following information: 1. About the Bank page How we use your personal and business information pages A guide to how we and credit reference and fraud prevention agencies use pages your personal information About the Bank: We confirm the following to you: (a) the United Kingdom is the state whose laws will apply in relation to the establishment of our relationship up to completion of the mortgage contract; (b) if this application is accepted and we issue an of fer to you then that of fer shall be governed by and construed in all respects in accordance with the law of rthern Ireland; (c) we will communicate with you in English during the course of our relationship with you; (d) all the contractual terms and conditions which will apply to any mortgage of fer will be sent to you with that mortgage of fer; (e) we have not provided you with any advice or information in relation to the mortgage that you have applied for and we are not responsible for any advice or information you may have received from a mortgage intermediary before you submitted this application; (f) we are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered in the Financial Services Register, registration number You can check the Financial Services Register on or by contacting the Financial Conduct Authority on Danske Bank is a trading name of rthern Bank Limited. Registered in rthern Ireland R568. Registered Of fice: Donegall Square West, Belfast BT1 6JS. rthern Bank Limited is a member of the Danske Bank Group. 17

18 How we use your personal and business information Danske Bank is a trading name of rthern Bank Limited. rthern Bank Limited is a member of the Danske Bank Group (the Group). At rthern Bank Limited, we store your information to manage your accounts and to provide services which suit your needs. We have explained below what information we hold and how we use it. What information do we hold? As one of our customers, you give us certain information, such as your name and address. We may currently hold other personal and financial information about you and we may get or receive more information about you in the future. This information may include: details you give us on application forms; information we get from how you use your accounts; details of who supplies goods and services to you; information from other organisations, such as credit reference and fraud prevention agencies; and information from people who know you, such as joint account holders and people you are financially linked to. There may be times when the information we hold about you includes sensitive personal data, such as information relating to your health, racial or ethnic background, sexual life, criminal convictions or proceedings. We will only hold this data when we need to for the purposes of the product or services we provide to you. If you are a business customer, the information we hold will also include details you or other people (such as your advisors) give us during financial reviews and interviews, as well as information we get from analysing the banking transactions of the business. How we use your information As well as using your information to manage the products and services we provide to you, we may need to use your data for a number of other reasons. These include the following. When you ask for a service or product from us, we will use the details you provided and other details (such as how you manage your accounts with us) to help us in our assessment process. We will use your information to assess whether our products and services are suitable for you, including making credit decisions about you. This may involve credit scoring. We may use your information for research purposes and regular statistical analysis (including risk and credit analysis) to develop, improve and market our products and services, to understand your buying preferences and to produce management information relating to risk. We may use your information to prevent fraud and recover debts. If you are financially linked to another account holder within the Group, we may look at your information when deciding whether to approve an application for credit by the person you are linked to, including when that person applies on behalf of a business that he or she owns. (For a full list of companies in the Group, please contact your branch or write to the Data Protection Officer, Danske Bank, Donegall Square West, Belfast, BT1 6JS). We may link information about your accounts with us to information about other products and services we provide to you. We may also link your information to the information relating to other people you are financially linked to, if you make a joint application or if you tell us that you have a husband, wife, civil partner or partner. Conf identiality We appreciate that it is important for you to know that we will not give your personal and business information to anyone else. We will treat all your information as confidential at all times, even when you are no longer a customer. This means that we will not pass on information about you, unless: we have your permission to do so; we must provide this information by law; we have a duty to the public to share the information; or it is in our own interests to do so (for example, to prevent fraud or recover money you owe us). There are other circumstances where we need to provide information to other people to help us and you to run your accounts. We do so when it is in your interests as well as ours. We have set out these circumstances below. We subscribe to the Lending Code which sets minimum standards of good practice in the UK. To meet our duties to regulators, we may allow authorised people to see our records (which may include information about you) for reporting, compliance and auditing purposes. For the same reason, we will also hold the information about you when you are no longer a customer. We may also share information with certain statutory bodies, eg the Financial Services Compensation Scheme (FSCS) if required by law. We may provide information about you to someone you nominate or authorise to act on your behalf. If we provide you with products and services involving insurance, we must pass your details to insurers. Insurers may keep a record, on a register of claims, of information you provide in connection with any claims made under the insurance. 18

19 Insurers may use this register to prevent fraudulent claims. You can get a list of companies who use the register, and details of the register operator, from the insurers. We may exchange information about you with other companies in the Group to assess credit risk, to prevent fraud or manage risk, or to help us run your accounts. We may also share your information within the group to prepare research and analyse statistics (including analysing risk and credit) so that we can improve our services. We may exchange information about you with other companies in the group for marketing purposes if you give us your permission. Service providers We will sometimes arrange for service providers, agents and subcontractors, sometimes from outside the EEA to provide services and process your information on our behalf. We will make sure that these service providers, agents and subcontractors have a duty to keep your information confidential and secure, and that they only process your information as set out in a written contract. Protecting you We may use your information to protect you in the following ways. We may record or monitor phone calls to confirm details of our conversations, for your protection, to train our staff and to maintain the quality of our service. We use CCTV to record images in and around our premises to prevent and detect crime. Before we provide any service, we will carry out antimoney-laundering checks, which may include searches to confirm your identity. Credit reference and fraud prevention agencies We may use credit reference and fraud prevention agencies to help us make decisions when you apply for a credit product or for a product which allows you to get credit. If you provide false or inaccurate information and we find you have committed fraud, we will pass your details to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: checking details on applications for credit and credit related or other facilities; managing credit and credit related accounts or facilities recovering debt; checking details on proposals and claims for all types of insurances; and checking details of job applications and employees. Please contact your branch or write to the Data Protection officer, Danske Bank, Donegall Square West, Belfast, BT1 6JS if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information the fraud prevention agencies record. What we do and how both we and credit reference and fraud prevention agencies use your information is explained in the Customer Package Documentation (in the section called A guide to how we and credit reference and fraud prevention agencies use your personal information ) and with the leaflets 'A guide to how we and credit reference and fraud prevention agencies use your personal information' and 'A guide to how we and credit reference and fraud prevention agencies use your business information'. Please help us We want our service to meet your expectations at all times. For it to do so, we need the information we hold about you to be accurate and up to date. Please help us by telling us straight away if there are any changes to your personal circumstances. You can check the contact details that we have for you through ebanking or by contacting your branch. It is important that you tell us about any changes to your contact details, including your address or mobile number. You are entitled to a copy of the personal information we hold about you. We charge a small administration fee for providing this information. You can also ask us to correct any mistakes in the information we hold about you. You must write to us if you want to see this information. Keeping you up to date with and text messages We are keen to keep you up to date with changes to the service we provide (for example, if we extend our opening hours at your local branch) or interruptions to our service, and also to remind you to activate and use the online services you have registered for. If we have your address or mobile number, we will use these to send you messages. All our s and text messages will not be encrypted but they will not contain any personal information. You should never give personal information such as your name, address, date of birth, PIN or account number in an or text message unless you have subscribed to a service where this information is part of the log-in process. If you want to us, do so through ebanking. If you do not want us to contact you by text message or , please contact us and we will delete these details from our records. Or you can delete the details yourself through ebanking (under the heading Are your details correct? ). Keeping you up to date about our products and of fers Through our marketing programme, we will identify and tell you about products and services supplied by the group or other chosen organisations that we consider may be of interest to you. We may contact you by post, phone or other reasonable methods (unless you have asked us not to) and we will give you enough details so that you can make an informed choice. We may also contact you by , text message and fax if you ask us to. You do not have to accept the products or services we offer. You can tell us in writing at any time if you do not want to receive marketing information. We will remind you of this right at least once every three years. 19

20 Important data protection A guide to how we and credit reference and fraud prevention agencies use your personal information What is a credit reference agency? Credit reference agencies collect and maintain information on consumers and businesses credit behaviour, on behalf of organisations in the UK. What is a fraud prevention agency? Fraud prevention agencies collect, maintain and share information on known and suspected fraud. Some credit reference agencies also act as fraud prevention agencies. Why do you use them when I have applied to your organisation? Although you have applied to us, we will not only check our own records but will also contact credit reference agencies to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision. Where do they get the information? They get information from the following sources. Information that is available to the public, such as: the electoral register from local authorities; county court judgments from Registry Trust; and bankruptcy orders (and other similar orders) from the Insolvency Service. Fraud information may also come from fraud prevention agencies. Credit information comes from information on applications to banks, building societies, credit card companies and so on, and also from how those accounts have been managed. How will I know if you are sending my information to a credit reference agency or fraud prevention agency? We will tell you when you apply for an account if we are going to give your information to a credit reference agency or a fraud prevention agency. The next section of this document will tell you how, when and why we will search at credit reference agencies and fraud prevention agencies and what we will do with the information we get from them. We will also tell you if we plan to send information about your or your business s payment history to credit reference agencies. You can ask us, at any time, which credit reference agencies and fraud prevention agencies we use. Why do you use my information in this way? We and other organisations want to make the best possible decisions we can, to make sure that you or your business will be able to repay us. Some organisations may also use the information to check your identity. In this way, we can make sure that we all make responsible decisions. At the same time, we also want to make decisions quickly and easily and, by using up-to-date information, we can make the most reliable and fair decisions possible. Who controls what these agencies are allowed to do with my data? All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Information Commissioner s Office. All credit reference agencies regularly consult the Commissioner. How the agencies use the electoral register is controlled by the Representation of the People Act Can just anyone look at the information the credit reference agencies hold about me?. Access to your information is very strictly controlled and only the people that are entitled to see it can do so. Usually that will only be with your permission or, in rare cases, if there is a legal duty. Please read this section very carefully, as it will vary from lender to lender. What we do 1 When you apply to us to open an account, we will do the following. 1a Check our own records for information on: 1a1 your personal accounts; 1a2 your financial associates personal accounts (if this applies); and 1a3 your business accounts, if you are an owner, director or partner in a small business. A financial associate will be someone you have a personal relationship with that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It does not include temporary arrangements such as those between students, people who share a rented flat, or business relationships. A small business is an organisation (a sole trader, partnership or a limited company) that has three or fewer partners or directors. 1b Search at credit reference agencies for information on: your personal accounts; your financial associates personal accounts, if you are making a joint application now or you have previously made joint applications, had joint accounts or been financial linked to other people; other members of your family, if we do not have enough information to help you (we will only do this in rare cases); and your business accounts, if you are a director or partner in a small business. 1c Search at fraud prevention agencies for information on you and any addresses you have lived at, and your business (if you have one). 2 What we do with the information you give us as part of the application 2a We will send your information to the credit reference agencies. 20

21 2b 2c 2d If you are making a joint application or you tell us that you have a husband, wife, civil partner or financial associate, we will: search, link and record information at credit reference agencies about you both; link your records with the records of any person you identify as your financial associate; take both your and their information into account in applications you or they or both of you make in the future; and continue this linking until the account is closed or is changed to a sole account and one of you tells us that you are no longer linked. So, you must be sure that you have their permission to give us information about them. If you give us false or inaccurate information and we suspect or identify fraud, we will record this and may also pass this information to fraud prevention agencies and other organisations involved in preventing crime and fraud. We may also use your information to offer you other products, but only if you have given your permission. 3 With the information we gather, we will: 3a assess your application for credit (sometimes using scoring methods); 3b check details on applications for credit and credit-related facilities or other facilities; 3c confirm your identity and the identity of your husband, wife, civil partner, partner or other directors and partners (sometimes using scoring methods); 3d carry out checks to prevent and detect crime, fraud and money laundering; 3e manage your personal and business accounts (if you have one) with us; and 3f from time to time, analyse statistics or carry out testing to make sure existing and future products and services we provide are accurate. Any or all of these processes may be carried out as part of an automated system. 4 What we do when you have an account 4a If you borrow or may borrow from us, we will give credit reference agencies details of your personal and business accounts (if you have one), including account names, details of the people who hold those accounts with you, and information on how you manage the accounts. 4b If you borrow money and do not repay it in full and on time, we will tell the credit reference agencies. 4c We may regularly search our own group records and the records of credit reference agencies to manage your account with us, including whether to make credit available or to continue or extend existing credit. We may also carry out checks at fraud prevention agencies to prevent or detect fraud. 4d If you have borrowed from us and do not make payments that you owe us, we will trace where you are and recover the money from you. What credit reference and fraud prevention agencies do 5 When credit reference agencies receive a search from us, they will do the following. 5a Place a search footprint on your credit file, whether or not you or we go ahead with your application. If the search was for a credit application, other organisations may see the record of that search (but not the name of the organisation that carried it out) when you apply for credit in the future. 5b Link the records of you and anyone you have identified as your financial associate, including the names (and later or previous names) of other people who hold those accounts with you. Links between financial associates will stay on your and their files until you or they successfully file for a disassociation (to break the link) with the credit reference agencies. Financial associates can break the link between them if their circumstances change and they are no longer a financial unit. They should apply for their credit file from a credit reference agency and file for a disassociation. 6 The credit reference agencies will give us: 6a credit information, such as previous applications you have made and how you and your financial associates (if this applies) have managed your and their accounts (including business accounts); 6b public information, such as county court judgments (CCJs) and bankruptcies; 6c electoral register information; and 6d information to help prevent fraud. 7 When we give the credit reference agencies information about your personal and business accounts (if this applies to you), the credit reference agencies will: 7a record these details, including any previous and later names that have been used by the account holders and how you or they manage your account (accounts); and 7b make a record of the debts you still have left to pay, if you borrow money and do not repay it in full and on time. The records we share with credit reference agencies will stay on file for six years after the accounts are closed, whether settled by you or defaulted (not paid in full by you). 8 Credit reference agencies will not use your information to: 8a create a blacklist; or 8b to make a decision. 21

22 9 The information that we and other organisations provide to the credit reference agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference agencies to other organisations and used by them to: 9a prevent crime, fraud and money laundering (for example, by checking the details you have provided on applications for credit and credit-related facilities or other facilities); 9b check how you have managed your credit and credit-related accounts; 9c check your identity, if you or your financial associate applies for other facilities; 9d make decisions on credit and credit-related services about you, your partner, other members of your household or your business; 9e manage your personal, your partner s and your business (if you have one) credit or credit-related account or other facilities; 9f trace where you are and recover debts that you owe; and 9g carry out statistical analysis and system testing. 10 The information that we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to: 10a prevent crime, fraud and money laundering by, for example: checking details provided on applications for credit and credit-related facilities or other facilities; managing credit and credit-related accounts or facilities; cross-checking details provided on proposals and claims for all types of insurance; or checking details on applications for jobs or when checked as part of employment; 10b check your identity if you or your financial associate applies for other facilities, including all types of insurance proposals and claims; 10c trace where you are and recover debts that you owe; 10d carry out other checks to prevent or detect fraud; and 10e carry out statistical analysis and system testing. How to f ind out more You can contact the CRAs currently in business in the UK by using the following details. The information they hold may not be the same so it is worth contacting them all. They will charge you a small fee, as set out in the Data Protection Act 1998, for providing the information. CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ Phone: Website: Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US Phone: Website: Experian, Consumer Help Service, PO Box 8000, ttingham NG80 7WF Phone: Website: We subscribe to the CAIS credit account information sharing scheme operated by Experian relating to creditworthiness and fraud. If you want to receive details of those fraud prevention agencies from whom we obtain and with whom we record information about you, contact/write to us at Danske Bank, Donegall Square West, Belfast, BT1 6LT. You have a legal right to these details. rthern Bank Limited is owned by Danske Bank A/S. You can ask for a complete list of the companies in the Danske Bank Group at any time by writing to us at the address above. Law enforcement agencies may access and use this information. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. 11 We may also use your information for other purposes you have given your specific permission for or, in very limited circumstances, when we must do so by law or if we are allowed to under the terms of the Data Protection Act We may use your information to offer you other products, but only if we are allowed to do so. Please note that Danske Bank is a trading name of rthern Bank Limited, having its registered address at Donegall Square West, Belfast, BT1 6JS (registered in rthern Ireland R568). rthern Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Correct as at 12/