Buy to Let Mortgage Application Form
1 PERSONAL DETAILS Please fill in an extra form if there are more than 2 people who need to give details in this section Applicant 1 (Please enter the highest earner as Applicant 1) Applicant 2
Previous Address(es)(if lived in property
BRANCH COMMERCIAL LENDINGPAYMENT METHOD D/D S/O CSH TFRLOAN £ LTV %
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
HPL 12mths From CB From Loan N/A From Socy
Cumberland Building Society, Cumberland House, Cooper Way, Parkhouse, Carlisle,
Telephone (01228) 403135, DX 63025 CARLISLE, Fax (01228) 403245www.cumberlandbusiness.co.uk E-mail: [email protected] Comm1 V10 09/13
OCCUPATION AND INCOME
2Applicant 1 Applicant 2 SELF EMPLOYED How long has the
Please give nameand address of youraccountant
3 PERSONAL INVESTMENTS/ASSETS Applicant 1 Do you have any
Details (Bank/Company etc) Beneficial Owner Account Nos Value/Balance Time Held
Details (Bank/Company etc) Beneficial Owner Account Nos Value/Balance Time Held
4Applicant 1 Applicant 2 MORTGAGES If YES, please provide the following information concerning all current mortgages
repaid before the newmortgage commences ?
copies of your last 3years mortgagestatements?
previous mortgages,other than thosestated above, in thelast 3 years from the
If YES, please provide the name and address of the lender and the date repaid
TENANCIES Do you currently rent a property If YES, please provide the following information concerning all current tenancies RESIDENTIAL DETAILS cont.
If YES, please provide the name and address of landlord(s) and dates
Have you ever been bankrupt or insolvent?If yes please give date(s) and include detailsHave you ever failed to keep up payments on anymortgage, loan, credit card or rent or had propertypossessed, as a result of either a voluntary arrangementIf yes please give date(s) Year Month Amount £
How many payments did this represent?How many payments did this represent?Have you ever had a County Court Judgment (CCJ)made against you for not making payments?Have you ever had to make special arrangements(Individual Voluntary Arrangements) with creditors to repay YES NO
If yes please give date(s) and include detailsHave you ever had a mortgage, loan or tenancyHave you or any person normally living with you, everbeen charged with offences other than drivingoffences or convictions that are treated as spent underthe Rehabilitation of Offenders Act 1974?
6 CURRENT FINANCIAL COMMITMENTS (LOANS, HP, CREDIT CARDS, MAINTENANCE) Applicant 1 Applicant 2 If YES, are any of them overdrawn?What is your agreed overdraft limit?Do you have any credit or store cards?
6 CURRENT FINANCIAL COMMITMENTS (LOANS, HP, CREDIT CARDS, MAINTENANCE)cont Do you have any loans, hire-purchases, interest-free credit orcatalogue payments?If YES, please give details below:STAFF NOTE: If there is existing borrowing which is secured on the property to be mortgaged to the Society do not proceed until the lender has confirmed they are able to postpone their charge.
It is important that you understand what will happen if your payments on this loan are not made. If you think you will miss a paymentor payments, you should always tell us before the payment is due and explain any difficulties you have. We will then be able to discuss how you canbring your payments up to date. If you continually miss payments, we can, as a last resort apply to the court for your property to be sold and theproceeds used to pay off or reduce your loan because you have given your property as security. It is important that both you and we are satisfied thatyou have enough income to meet the monthly outgoings for your new mortgage. To help with this budgeting process, details of your monthly incomeand outgoings you will have when your new loan starts will need to be shown. We recommend that you review your income and outgoings whenthere is a change in your financial circumstances.
8 8YOUR INFORMATION (Including credit reference and fraud prevention agencies)
We will hold and process your information by computer and otherwise. By your information, we mean personal and financial information, including data which has been defined as sensitive in the Data Protection Act 1998. We may record the information that we receive and keep it, even if this application does not continue and after you have closed any account or ended any agency agreement with us.
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from theElectoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit scoringmethods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or thecredit reference agencies, about you and those with whom you are linked financially may be used by the Cumberland Building Society and itssubsidiaries (“the Cumberland Group”) and other companies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of the Cumberland Group records and at fraudprevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraudprevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud,we will record this. We, members of the Cumberland Group, and other companies may use this information if decisions are made about youor others at your address(es) on credit or credit-related services or motor, household, credit, life or any other insurance facilities. It mayalso be used for tracing and claims assessment.
We may also transfer your information to anyone to whom we transfer our rights and duties under this agreement. We may also give outinformation about you if we have a duty to do so or if the law allows us to do so. Otherwise we will keep your information confidential. YOUR INFORMATION (Including credit reference and fraud prevention agencies) Cont
If you are applying for a mortgage in your sole name and advise us you have a financial association with another party please give their nameand address here
In the case of a joint application when only one party completes the application form, you are stating a financial association with the otherapplicant(s)
By stating a financial association with another party, you are also declaring that you are entitled to:• Disclose information about your joint applicant and/or anyone else referred to by you• Authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.
Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. Forthe purposes of this application you may be treated as financially linked and your application will be assessed with any reference to any“associated” records.
An ‘association’ between the joint applicants and/or any individual identified as your financial partner, will be created at credit referenceagencies which will link your financial records. You and anyone else with whom you have a financial link understand that each other’sinformation will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfullyfiles a ‘disassociation’ at the credit reference agencies.
Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If youborrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt.
You have the right of access to your personal records held by credit and fraud agencies. We will supply their names and addresses if you writeto:
FREEPOSTMortgage Administration DepartmentCumberland Building SocietyCumberland HouseCooper Way, ParkhouseCarlisle, CumbriaCA3 0JF
If you have any questions about the information we hold about you, please write to:
FREEPOSTThe Data Protection OfficerCumberland Building SocietyCumberland HouseCooper Way, ParkhouseCarlisle, CumbriaCA3 0JF
We would like to tell you about our financial products, services, promotions and offers which may be of interest to you, such as mortgagesadditional loans and household credit, life and any other insurance facilities and to introduce you to or pass your contact details and details ofthe types of products we have provided you with to our associated companies in the Cumberland Group (“the Group”).
We would like to be able to contact you by telephone (including mobile), fax, post or e-mail using the contact details which you provide in thisform, or which you provide or we obtain in our dealings with you. By signing this application you are agreeing to the use of your informationin this way.
You can choose whether to be contacted for marketing purposes, so if you do not wish this, please indicate your preference by ticking the relevant boxes in the declaration section of this form.
If you decide not to tick the boxes now, but later decide that you wish us to stop contacting you, you can at any time ask us to do so by writingto us at FREEPOST, Mortgage Administration Department, Cumberland Building Society, Cumberland House, Cooper Way, Parkhouse, Carlisle,Cumbria, CA3 0JF. You can also contact us here if you would like a list of companies withing the Cumberland Group.
I do not wish to receive information about the Society’s products and services
I do not wish the Society to share my information with Group Companies YOUR INFORMATION (Including credit reference and fraud prevention agencies) Cont
It is important that you read and understand the sections entitled Your Information (including credit reference and fraud prevention agencies) in your
terms and conditions and at the beginning of this section of the application form. By signing this application you agree that we can use your informa-
tion in this way. You also agree to us processing information about your health for insurance purposes and current and past offences for the pur-
poses of assessing your application, and agree that this information will be kept on record.
9 MORTGAGE REQUIREMENT
Over how many years would you like to borrow this
NEW PURCHASE details of plannedimprovements, expectedcosts and how you planto pay for them
9 MORTGAGE REQUIREMENT Cont RE-MORTGAGES AND/OR CAPITAL RAISING Within the last 5 years have you had an Improvement Grant on your existing property? If YES, please providea copy of the approvalOriginal amount borrowed to purchase property and date purchasedAmount of other loans with the same lender secured on the propertyAmount of other facilities secured on the property to be refinancedTotal amount now outstanding with current lenders to be refinancedDid ALL applicants named in this application benefit from ALL thefacilities secured on this property?Do you require any additional borrowing?
Purpose: Improvements Debt Consolidations Other
Will this additional borrowing benefit ALL applicants in this application? YES NO
Within the last five years have you had an Improvement Grant on your existing property?
Certain types of loan are now subject to the Consumer Credit Act 1974. If you are in doubt our staff will be pleased to help. See declaration in section 17 xv. of this application form.
10 PROPERTY DETAILS Address of property to be mortgaged FOR STAFF USE ONLY PROPERTY DETAILS Cont
How many habitable rooms does the property have (incl. kitchen but excl. bath/wc)?How many bedrooms does the property have?
N.B. Any tenancy must be an Assured Shorthold Tenancy (Short Assured Tenancy - Scotland) and have started after 1 March 1997
Please give the names, ages and relationship to you of
anyone aged 17 or over who is not a mortgage applicant butwill be living in the property (This does not apply in Scotland)
If YES, and they are aged 18 or over they will need to be included in the purchase and the mortgage.
Is the property of standard construction? YES NO
If ‘Yes’ will you be the first occupiers in the property?
or under construction?If YES:Is the property or
Is the property in the course of construction:
Name and address of builderNOTE: Please submit copy of NHBC registration if appropriate and details of planning permission and building regulations consenttogether with approved plans and costings/estimates prior to valuation. (This does not apply to large housing developments). Estimated date of
We will agree the stages at which funds will be released based on the following guidelines:
Purchase of plot, foundations, first floor joist, wall plate, roofed, plastered, completionIs more than 40% of the mortgaged property to be occupied by the borrower(s) or their immediate family
(spouse/parents/grandparents/siblings/children or grandchildren)?
If YES, The loan will be a ‘Regulated Mortgage Contract’
11 VALUATION (Please read the notes below carefully)
We need a valuation report on the property and will ask a suitably qualified person to prepare this for us. This basic mortgage valuation report is
designed to allow us to assess how suitable the property is as security for the proposed loan. It is based on a limited inspection and does not
contain all the information you will need about the property as the prospective owner of the property.
There may be serious faults in the property which the basic mortgage valuation report does not reveal and there may be things missed out which
do not matter to us but which would matter to you. You must not rely on this report in any way when deciding whether or not to buy the property. Neither we nor the valuer accept any responsibility to you or any other person for the basic mortgage valuation report, even if the valuer has been at fault in his or her limited inspection or report. Neither we nor the valuer will say whether the purchase price is reasonable.
The basic mortgage valuation report is not a building survey or a home buyer’s survey, both of which need a much more detailed inspection and
give much more information about the property. You will need to pay higher fees for these. We strongly recommend that you get your own more detailed report on the condition and value of the property, based on a detailed inspection, so you can assess whether the property is suitable for your purposes both as an investment and as a place to live. Details of the home buyer’s survey and building survey are set out in our leaflet ‘Mortgages with the Cumberland’.
Please tell us below if you want us to arrange for a home buyer’s survey, or building survey to be carried out. If you do, we will ask the surveyor
to prepare a basic mortgage valuation report for us at the same time.
The contract for a more detailed survey (home buyers or building) is between you and the surveyor. If you want a home buyers survey done by
the same valuer who is providing us with our basic mortgage valuation report, we will collect a combined survey and valuation fee to help with
the administration – please make your cheque for this fee payable to ‘Cumberland Building Society’. This arrangement does not make us part of
the contract for a home buyer’s or building survey and you will still need a contract direct with the surveyor.
As explained in our leaflet, everyone applying for a mortgage must pay our costs of getting a basic mortgage valuation report for mortgage
purposes, before the valuation is carried out.
Alternatively you may ask a suitably qualified person to prepare a survey for you. If the surveyor you instruct is not on our panel of valuers, we
will still need to arrange for a separate basic mortgage valuation report. There will be a separate fee for this report.
valuation do you require?How may the valuer gain
12 YOUR SOLICITOR/LICENSED CONVEYANCER
If the solicitor acting for the applicant(s) is not also acting for the Society, the Society will appoint its own solicitors to prepare
the mortgage documentation. In such cases there will be a charge made by the Society’s solicitors for their services in addition
to the charges made by your own solicitors. Name and address of yourSolicitor/Licensed ConveyancerIf you do not have a solicitor,the Cumberland will be pleasedto recommend one to assist
Solicitor acting for the society(if different)
ADDITIONAL SECURITY REQUIRED
Does the additional security include a first legal charge over a property of which more than 40%
will be occupied by the borrower or immediate family (spouse/parents/grand parents/siblings/children
If YES, the loan will be a ‘Regulated Mortgage Contract’ AGREED INTEREST RATE AND EARLY REPAYMENT CHARGE PERIOD
(Complete this section for all applications)
Based on the information supplied we have agreed the following terms. (Delete 1) or 2) as appropriate)
1) Variable Rate, Interest rate % variable (The Society’s Buy to Let Mortgage Rate) with a discount of % for 2 years making a
2) Fixed Rate. Interest rate % fixed for years reverting thereafter to the Society’s variable Buy to Let Mortgage Rate. THERE IS AN EARLY REPAYMENT CHARGE PERIOD OF YEARS ON THIS MORTGAGE PRODUCT.
This means that if you decide to repay your loan in full or in part within 2 years from the date of completion of your loan or if the Society takes
possession of your property and sells it within this period the Society will charge an amount equal to 5% of the amount repaid. For example - if you
made a capital reduction of £10,000 within 2 years from the date on which the loan completed the early repayment charge would be £500. 114 INTEREST ONLY MORTGAGES Customer Note: If all or part of your loan is taken on the interest only basis, please read this section carefully
It is very important that you understand the following points about interest only mortgages:
With an interest only mortgage, your monthly payments to the Society will only cover the interest on the loan. They do not repay any of the amount you have borrowed (sometimes called the “Capital”)
It is your responsibility to ensure that you have suitable arrangements to repay the interest only part of your loan by
If you intend to repay the interest only part of your loan with an investment policy (e.g. Endowment, ISA, PEP, Pension etc)
- The policy’s value when it ends is not normally guaranteed
- It is your responsibility to pay the premiums directly to the Life Assurance company or other provider, If you do not pay the premiums there
will not be enough money to repay the interest only loan at the end of the agreed term.
- The Society recommends you contact the Life Company or other provider at regular intervals to check that the current projected maturity
values of the policy are sufficient to repay the loan within the agreed term of the mortgage.
- Each year you should receive a statement from your Life Assurance Company or other provider telling you how your policy has performed.
It is very important that you monitor the performance of your policy and seek advise if the predicted amount payable on maturity falls belowthe loan amount the policy is intended to repay.
- A change in your personal circumstances or changes in economic conditions which could reduce the projected return on investment policies,
may make an interest only loan less appropriate. The Society strongly recommends that you regularly review whether or not an interestonly loan is still appropriate for you.
- If you surrender or stop paying premiums into an investment policy you may not get back what you have paid into the policy and you may lose
valuable life cover. You would also need to make alternative arrangements to repay the loan amount within the agreed mortgage term.
If we have given you independent financial advice about this loan, the recommended repayment method will be confirmed
If you do not want to repay the interest only part of your loan using an investment policy you must tell us in Section 14 how
you intend to repay the interest only part of your loan. If your circumstances change and you will no longer be able to repay the loan in this
way, it is your responsibility to make alternative arrangements to repay the amount by the end of the agreed mortgage term.
If you are cannot repay the full interest only loan amount at the end of the agreed term, you will still have to pay the outstanding balance and
your remaining loan will have to be transferred to the capital and interest basis over a new term or you will have to sell your property torepay the money you owe us. 14A LOAN DETAILS
1 Please confirm how much Repayment £
of your initial loan you would like to be on the repayment basis and how much you would like to Interest-only £ Term be on the interest-only basis (see section 14B for and over what term of years. explanatory notes) Total Initial Loan:£
2 If you require an interest only loan, please provide full details on how you are going to repay the loan. Business Loan Protection
If a key person within a business suffers a critical illness or dies, it could affect the business’s ability to repay a loan and that could put the business itself at risk. Business Loan Protection helps ensure that a business can repay the money owed if a key person dies or suffers a critical illness otherwise their estate or family’s finances could be drawn upon to repay the loan.
As a responsible lender, the Society recommends that you arrange adequate protection for your new loan and is able to offer independent financial advice through its wholly owned subsidiary Cumberland Financial Services Ltd. If you would like us to arrange for Cumberland Financial Services Ltd to contact you and are happy for us to forward your details on to them, please tick the box below. Please arrange for Cumberland Financial Services Ltd to contact me to advise me on Business Loan Protection.
Alternatively, please list below any existing policies you intend to use for loan protection. Lives Assured Company Policy Type Sum Assured Expiry Date 15 PROPERTY INSURANCE When arranging your mortgage it is important to make sure that you, your property, your possessions and your family are fully insured. We are
an independent intermediary, act as your agent and accept responsibility for the advice we provide and for arranging your insurance . We offer
certain products which are branded in our name. We have negotiated each of these products with a particular insurer. We follow the
Association of British Insurers’ Code of Practice for selling General Insurance, a copy of which is available on request.
We need your property to be insured for at least the rebuilding cost amount recommended by the Society’s valuer. The amount will be shown on
the valuer’s report and your Offer of Loan. The insurance is to commence when the loan is completed unless an earlier date is requested.
The sum insured will normally be index-linked and adjusted in accordance with the percentage change in the House Rebuilding Cost Index prepared
by the Royal Institution of Chartered Surveyors or some other similar index as may be used in the future.
If buildings insurance is arranged by the Society we will issue the cover on the basis of the information you have provided. English law will apply to
the contract. If your property is in Scotland, Scottish law will apply.
In the event that Buildings cover is not arranged by the Society your written undertaking will be required in respect of the present cover arranged
and any future amendments to the policy. The Society has an absolute discretion as to whether or not a particular policy or company is acceptable.
It is your responsibility to ensure that adequate Buildings Insurance is taken out to cover the reinstatement cost of the property. 16 POLICY AND PRACTICE When we give you your ‘Offer of loan’ we will give you a copy of our leaflet ‘Policy and Practice and Charges for Mortgage Linked
Services’. This provides details of our current fees for mortgage services, but please remember these charges will vary over time. TION (Please read carefully)
x. If my loan is to be released in stages and payments are made by direct debit, my bank account may be
ii. I agree to follow the Rules of the Society (a copy is available
debited with the new monthly payment without
from any branch). Delete if borrower is Corporate Body. further notice being given.
iii. I agree to insure the property for an amount acceptable to
xi. On completion of this mortgage, the Society may change the address on the savings and investment accounts I hold with the Society to show my new
iv. The loan will be used for the purpose(s) specified by me in
address, if I have moved home.
xii. I understand that I can find details of the Society’s
v. I understand the Society will not confirm the purchase price is
complaints procedure in the leaflet ‘Complaints Procedure and the Financial Ombudsman Service’, which is available from all Cumberland branches.
vi. I agree to the Society transferring or otherwise passing on the
benefit of any loan, mortgage and other security for the loan to
xiii. I understand that you may make periodic searches of the
any other organisation for example a Building Society or
Cumberland Group records, credit reference and fraud
associated company of a Building Society, without contacting me.
prevention agencies to manage my account with you, to take
I acknowledge that if this transfer took place I would no longer
decisions regarding credit, including whether to make credit
be a borrowing member of the Society.
available or to continue or extend existing credit. Thesearches will not be seen or used by lenders to assess my
vii. If the Society is taking a guarantee or other form of security
from someone else to cover my liabilities, I give my consent topass on any confidential financial information about me to the
xiv. I confirm that I have received the leaflets ticked below
person giving the guarantee or other security or their legaladviser. ALL APPLICANTS AND ANY GUARANTORS MUST RECEIVE: (Tick Box) I understand that this consent relates not only to now, but to any time during the term of the loan.
Commercial mortgage guideMortgage Quotation
viii. I understand that all guarantors and/or providers of additional
security are requested to obtain independent legal advice
before giving the guarantee or providing the security. The loan
cannot start until the advice has been given.
Policy & Practice - Charges for Mortgage Linked Services Reason Why Letter Date issued
ix. I understand that the first named applicant will be the
APPLICANTS AND ANY GUARANTORS MUST ALSO
‘Representative Borrower’ as defined in the Building Societies
RECEIVE WHICHEVER OF THE FOLLOWING LEAFLETS
Act 1997 and as such will be the only applicant entitled to
APPLY TO THEIR CIRCUMSTANCES: (Tick Box)
exercise membership and voting rights.
Fixed Rate MortgageCapped Rate MortgageInsurance Contingency Form
TION Cont (Please read carefully) ADDITIONAL INFORMATION FOR
xv. Declaration for exemption relating to businesses FURTHER LOANS (delete if N/A) (sections 16B and 189 (1) and (2) Consumer Credit Act 1974)
In most cases, the Society can deal with the legal work involved for
I am/We are* entering this agreement wholly or
further loans and the fee shown in the leaflet given to you at the
predominantly for the purposes of a business carried on by
time of your application will be deducted from the further loan
me/ us* or intended to be carried by me/us.*
advance before it is sent to you. Please indicate below where youwould like the funds to be sent. I/We* understand that I/we* will not have the benefit of the protection and remedies that would be available to me/us*
I AUTHORISE YOU TO SEND MY FUTHER LOAN ADVANCE TO
under the Consumer Credit Act 1974 if this agreement were a regulated agreement under that Act. I/We* understand that this declaration does not affect the
MY EXISTING CUMBERLAND ACCOUNT No. . powers of the Court to make an order under section 140B of the Consumer Credit Act 1974 in relation to a credit agreement where it determines that the relationship between the creditor and the debtor is unfair to the debtor. I am/We are* aware that, if I am/we are* in any doubt as to the consequences of the agreement not being regulated by the Consumer Credit Act 1974 I/we* should seek independent legal
If you make your payment by Direct Debit then I agree that
my bank account may be debited with the new monthly payment
Delete as appropriate
without any further notice being given once the Further Loan has
xvi. If your commercial mortgage application has been introduced to us by a third party, we may in some
If your further loan is for the purchase of the freehold,
circumstances pay introductory commission in respect of
purchase of land/other property, your own solicitors will be in-
any mortgage agreed. If commission is to be paid, we will
structed to act in the preparation of any necessary legal documents. advise you of this and the amount to be paid before you
You will be liable for their charges. Please give the name and address
decide to accept our Offer of Loan.
xvii. the information provided in this form, is correct and I have read and fully understood all the notes in this application form. LOAN APPROVAL FOR COMMERCIAL LENDING USE FOR STAFF USE ONLY RECOMMENDATION AND APPROVAL This application meets the standard terms for the investment property (Buy to Let) product and clear credit searches are held for each of the
individual applicants. From an assessment of the information provided I can confirm the following:
The borrowers are experienced in this type of transaction or have been recommended to take professional advice and have received a copy of
the Council of Mortgage Lenders guidance leaflets on Buy to Let properties.
The borrowers are competent to undertake the management of an investment property or are to employ professional agents to assist them.
The borrowers have a good payment history on all current borrowing and can demonstrate satisfactory operation of current bank accounts.
Total income is sufficient to meet mortgage payments in the event of voids or non payment of rent, in addition to all other financial
Individual ‘Means Clear’ amounts to £
The security offered is satisfactory for the purposes of the loan and confirmation is held as to the suitability for letting purposes and the level of
6FOR STAFF USE ONLY Special Conditions Special Conditions Further Loans
Details of identification provided for each applicant
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