Mortgage Application Form. For existing customers with a Post Office Money or a Post Office for Intermediaries mortgage product

Transcription

1 Mortgage Application Form For existing customers with a Post Office Money or a Post Office for Intermediaries mortgage product

2 INTERVIEWER OR INTRODUCER DETAILS Applicant name(s) Introducer name and company Correspondence address tel fax What mortgage network or club are you submitting this case through? Introducer s contact mobile company name company Financial Conduct Authority No. Please indicate the level of service you gave (delete as appropriate) Did you interview the applicant(s) face to face? Residential AdvisedExecution Only Buy to Let RecommendedNon-advised If you are charging the applicant(s) a fee for your services please tell us how much it is and whether it s refundable application refundable? offer refundable? completion refundable? Product description product code Type of Loan Buy to Let Residential Is there a Product Fee? How much is the Product Fee? Will it be added to the loan? Existing customers Existing account number Illustration number

3 Completing the application form Please answer all the questions using black ink and BLOCK CAPITALS or by ticking the suitable box. For more than two applicants, print off an extra form and complete questions 1 to 54. If some questions are t relevant please answer t applicable. You re completing this on behalf of your customer. If you do t complete this form yourself, please make sure the answers are correct before you sign it. As a responsible lender we take into account your customer s personal circumstances when deciding whether and how much to lend. The factors we use may include: verification of identity our own experiences relevant to your customer andor their application validation of your customer s details the security offered your customer s income and existing commitments credit scoring credit reference agency information Additionally, we have policy rules to determine whether we will lend. These reflect our commercial experience and requirements. In assessing your customer s application we will use the information collected in this application form, from other documents that we receive (i.e. references, payslips, accounts, etc.) and we will make searches about your customer at credit reference agencies. Details of this process, particularly relating to credit reference agencies, are set out in the Declaration at the end of the application form. By signing this declaration your clients give their agreement to obtain documentation needed for their application, to carry out credit searches, to supply data to credit reference agencies about them and those with whom they re financially linked and use all the information received to process their application. Before returning your application form, and in order for us to process your application as efficiently as possible, please check that: You have completed the application in full. If any section is t applicable, please state t applicable. All applicants have read and signed the Declaration. We do t accept application forms with deletions or amendments to the Declaration. Please return your application form to: PO Box 3181, One Temple Quay, Bristol, BS1 9HQ Fax:

4 Valuation We will obtain a valuation for mortgage purposes. The valuation fee must be paid by creditdebit card. We will contact you to arrange payment. Please ensure you have selected any additional surveys required, i.e. HomeBuyer report or Building Survey by ticking the relevant box on page 7 of this application form. Note: The fee for a HomeBuyer report is based on the purchase pricevaluation. The fee for a Building Survey will be confirmed by the valuer who will contact you direct. Customer Verification In accordance with Money Laundering Regulations and to help protect against fraud, we are required by law to verify the names and addresses of all customers. In order to do this we will attempt to electronically verify your customer s identity through a credit reference agency. If we are unable to obtain this information we will ask you to provide us with identification documents. Should this be required, a list of acceptable customer identification verification documents accepted by us will be provided.

5 Please answer all the questions using black ink and BLOCK CAPITALS or by ticking the suitable box. If some questions are t relevant please answer t applicable. If you are t able to complete this form yourself, please make sure the answers are correct before you sign it. Please te that Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc and any references in this form to Bank of Ireland UK are to be read accordingly. ABOUT YOU All sections MUST be fully completed 1 Is the property you are buyingremortgaging 2 Are you FIRST APPLICANT for your residential use? a first time buyer? a Buy to Let? an owner moving house? SECOND APPLICANT for your residential use? a Buy to Let? a first time buyer? an owner moving house? remortgaging? purchasing ather property? remortgaging? purchasing ather property? 3 Title Mr Mrs Miss Ms Mr Mrs Miss Ms other (Please specify) other (Please specify) 4 Surname 5 First name and all middle names (as printed on your proof of identification) 6 Any other surname used w or in the past 7a Date of Birth 7b Country of Birth a b a b 8 Your National Insurance No. 9 Contact details tel home tel home tel work tel work mobile tel mobile tel 10 Status never married separated married never married separated married 11 Number of adults andor children financially dependent on any applicant divorced widowed civil partnership divorced widowed civil partnership 12 Ages of financial dependants 13 Nationality 14 Country of residence 15 How long have you lived in the UK? Less than 1 year 2 3 years Less than 1 year 2 3 years 1 2 years More than 3 years 1 2 years More than 3 years 16 Present address 17 How long have you lived there? 18 Do you own this property? live with family? own this property? live with family? rent this property privately? live with friends? rent this property privately? live with friends? rent this property from a local authority? rent this property from a local authority? other? Please give details in Section One on page 8 other? Please give details in Section One on page 8 19 If you are selling your property please tell us the selling price please tell us the selling price 20 Do you have a mortgage on this property? if : who is your lender? if : who is your lender? the address of the lender (if t Bank of Ireland) the address of the lender (if t Bank of Ireland) your mortgage account number your mortgage account number how long have you been with this lender? how much do you owe? how long have you been with this lender? how much do you owe? 21 What is your current monthly rent or mortgage payment? 1 of 11

6 FIRST APPLICANT SECOND APPLICANT 22 Will you have paid this mortgage off by the time your new mortgage has been completed? If you have answered, please give details in Section Two on page 8 23 If you are remortgaging what is the start date and amount of the original loan? 24 Have you had any other residential mortgages within the last 12 months? if, who was your lender? if, who was your lender? how long were you with this lender? how long were you with this lender? what was the balance when you redeemed this mortgage? what was the balance when you redeemed this mortgage? 25 If you ve been at your current address less than 3 years, please tell us where you lived previously 26 How long did you live there? Please give details of any other addresses in Section One on page 8 Please give details of any other addresses in Section One on page 8 27 Did you own this property? live with family? own this property? live with family? rent this property privately? live with friends? rent this property privately? live with friends? rent this property from a local authority? rent this property from a local authority? other? Please give details in Section One on page 8 other? Please give details in Section One on page 8 ABOUT YOUR JOB 28 Are you permanently employed? self employed? permanently employed? self employed? retired? t employed? retired? t employed? 29 Name and address of your employerhr Department for the purpose of an employer s reference, or if you are self employed, your business name and address 30 Your employee number 31 Your Tax Reference Number and the name of your tax office 32 How long have you been working for this employer owned this business? 33 What is the nature of your employer s business your business? Please give full details if your employment is on a temporary or fixed term or contractor basis in Section Three on page 8 If less than 12 months, please give details of previous employersbusinesses in Section Three on page 8 Please give full details if your employment is on a temporary or fixed term or contractor basis in Section Three on page 8 If less than 12 months, please give details of previous employersbusinesses in Section Three on page 8 34 What is your current occupation? 35 Please tell us your income details your basic salary for each year guaranteed bonus your basic salary for each year guaranteed bonus n guaranteed bonus, overtime, commission n guaranteed bonus, overtime, commission mortgage or rent subsidy mortgage or rent subsidy child maintenance child maintenance foster income the average amount earned for the last 2 years or the most recent years earnings if lower than the average foster income the average amount earned for the last 2 years or the most recent years earnings if lower than the average 36 Do you have any other income? Please give details in Section Three on page 8 Please give details in Section Three on page 8 2 of 11

7 FIRST APPLICANT SECOND APPLICANT 37 Is the income you are declaring in support of your application contracted and paid in GBP? 38 What is your intended retirement age? 39 If your loan extends past your intended retirement age, what is your annual retirement income expected to be? 40 If you are already retired please tell us your total annual retirement income 41 Do you own 25% or more of the shares in your employer s business? 42 If you are self employed, or own 25% or more of the shares in your employer s business, please tell us the net profit before tax for the last 2 years. (If you are in a partnership, please tell us only your share of the net profits) 43 If you own at least 25% of the shares in your employer s business, please tell us your gross dividend income from the business for the last 2 years 44 Name and address of your accountant if you are self employed, or have 25% or more shares in your employer s business have you been trading for three years? please start with the most recently completed accounts year ending year ending please start with the most recently completed accounts year ending year ending have you been trading for three years? please start with the most recently completed accounts year ending year ending please start with the most recently completed accounts year ending year ending tel fax tel fax 45 Is your accountant chartered? certified? other? chartered? certified? other? CIMA? Institute of Taxation? CIMA? Institute of Taxation? ABOUT YOUR FINANCES 46 Do you have any other mortgages outstanding? 47 Will you have any other mortgages outstanding (including Buy to Let mortgages) on completion of this loan? If you have answered, please give details in Section Two on page 8 If you have answered, please give details in Section Two on page 8 If you have answered, please give details in Section Two on page 8 If you have answered, please give details in Section Two on page 8 Please te individual applicant (either solely or jointly) may have more than 3 Buy to Let mortgaged properties across all lenders, including Bank of Ireland Group. 48 How long have you had an account with your bank? 49 Are you aware of any future events which may affect your incomeexpenditure? If you have answered, please give details in Section Four on page 9 If you have answered, please give details in Section Four on page 9 3 of 11

8 50 Please list any outstanding commitments or debts, including loans you guarantee. (Please use Section Five on page 10 for continuation if necessary) Current debts and outgoings Monthly payment Name of lender Start date Account number Credit limit or original loan amount Balance currently outstanding Are you going to pay off any of this with your new mortgage? If so, please tell us how much Is the loan secured? Yes No 1st or 2nd Applicant Loans, HP and leases Store and credit cards Overdrafts Catalogues Maintenance or CSA Child care School fees Other (please specify) FIRST APPLICANT SECOND APPLICANT 51 Have you ever been in arrears with your rent, mortgage payments or any other loans? had a court judgement made against you? been in arrears with your rent, mortgage payments or any other loans? had a court judgement made against you? been made bankrupt? been made bankrupt? entered into a Debt Relief Order (DRO) entered into a Debt Relief Order (DRO) made arrangements with creditors? made arrangements with creditors? been refused a loan on this or any other property? been refused a loan on this or any other property? If you have answered to any of these questions, please give details in Section Four on page 9 If you have answered to any of these questions, please give details in Section Four on page 9 52 Select all the sources of income that have added to your wealth Casual employment Divorce settlement maintenance from previous spouse partner Pension income Redundancy payment Casual employment Divorce settlement maintenance from previous spouse partner Pension income Redundancy payment Equity from the sale of a property Rental income Equity from the sale of a property Rental income Gambling winnings (including any lottery) Retirement lump sum payment Gambling winnings (including any lottery) Retirement lump sum payment Gift (money)* Salary wages bonus Gift (money)* Salary wages bonus Inheritance trust fund Savings dividend payment investment income Inheritance trust fund Savings dividend payment investment income Insurance payment Social charitable benefits Insurance payment Social charitable benefits Payments from parents Student grant loan Payments from parents Student grant loan *Please give details *Please give details 53 Does any of your total income or funds come from outside the UKEU? If you answered, please complete question 54 If you answered, please complete question 54 You ve said that you get income or funds from outside the UKEU. We need to kw which countries this money is coming from and what this is as a percentage of your total income. Income or funds from outside the UKEU won t be included in our affordability assessment. 4 of 11

9 FIRST APPLICANT SECOND APPLICANT 54 Which countries from outside the UKEU do you get money from? Income and funds from (country) Percentage of total income Income and funds from (country) Percentage of total income If you need to add more countries, please use Section Five on page 10 If you need to add more countries, please use Section Five on page 10 THE PROPERTY 55 Full postal address of the property to be mortgaged 56 Purchase date of the property if you're remortgaging 57 Date of entry if you're buying in Scotland 58 How much did you originally pay for the property? 59 Is the property freehold? leasehold? commonhold? simple ownership? if leasehold, please give remaining term of lease 60 What is the property type? a house a bungalow a converted flatmaisonette a purpose built flatmaisonette a purpose built studio flat a converted studio flat 61 And is it detached? semi detached? in a terrace? 62 Number of bedrooms 63 What year was the property constructed? 64 If the property is a flat, maisonette or studio flat, is it situated above commercial premises? 65 If the property is a flat, maisonette or studio flat, how many storeys are there in the block? 66 Is the property ex public sector (e.g. Local Authority, housing association or MOD)? 67 Will the property or any part of it be used for business purposes? 68 Apart from you, who else will occupy the property? Please give full names and dates of birth of all those aged 17 or over (t applicable for Buy to Let mortgages) Pre to date If you have answered, please give details in Section Five on page 10 And what floor is the property located on? name(s) date of birth relationship to you Please use Section Five on page 10 for continuation if necessary If you're applying for a Buy to Let mortgage How many mortgaged Buy to Let properties do you and all other applicants have with us (including this application and any others in progress)? 70 How many mortgaged Buy to Let properties do you and all other applicants have in total with other lenders (including any applications in progress)? We accept a maximum of 3 mortgaged properties per applicant (either solely or jointly) in total across all lenders, including any with Bank of Ireland Group. Properties that are owned in the name of a limited company that an applicant is a director of and applications in progress should also be included. We don t take any Buy to Lets into account if they re t mortgaged. Please provide your account numbers in Section Five on page of 11

10 71 Will the property be let to a relative? 72 What is the estimated monthly rental value? 73 Will there be any existing tenants on completion of this loan? 74 The date the tenant first occupied the property 75 The date the tenancy agreement finishes 76 The monthly rent currently paid by tenants If you have answered, please go to question Willdoes the tenancy agreement require the rent to be paid in GBP? 78 Will the property be let to one family unit? 79 How many people will be named on the tenancy agreement? 80 Does the property need a HMO licence from the Local Authority? 81 Are you converting your current residential property to a Buy to Let? 82 When you took ownership of the property, did you always intend to rent it to n family members? 83 Have you or any member of your family (including your spouse or partner) ever lived in the property? 84 Have you inherited or are you inheriting the property? If you have answered '', please give us more details in Section Two on page 8 THE LOAN 85 How much would you like to borrow? 86 Over how many years? 87 If purchasing, what is the purchase price? 88 Will you receive any discounts or incentives as part of the purchase? 89 What is the estimated value if you are remortgaging or purchasing at a concessionary price? 90 Are you buying this property from a family member? 91 If you are purchasing, where will the money for your deposit come from? your personal savings If you re buying at a concessionary price or with a discount or incentive, please give us details in Section Five on page 10 the sale of your property a gift from your family* the builder or seller of the new property* a loan* shared equity* ather source* *please give details 92 If you are remortgaging please advise the purpose of any additional borrowing home improvements to this property costs and fees in connection with this mortgage repay home improvements, car loans, pay school fees or purchase pension repay other debts business investment other If you ve answered other please give us full details in Section Two on page 8 6 of 11

11 For any of the options below, please tell us whether the property is used on a Buy to Let or residential basis home improvements to ather property deposit for ather property outright purchase of ather property part or full redemption of a mortgage on ather property Buy to Let residential Buy to Let residential Buy to Let residential Buy to Let residential Please use Section Five on page 10 to give us details about each option selected 93 Please tell us how much of the loan you would like to repay using the following options For residential mortgages, we allow a maximum of 60% of the purchase price or valuation (whichever is lower) on an interest only basis or a combination of repayment and interest only. If your loan exceeds the specified loan to value then the entire amount must be on a repayment basis. We only accept the sale of this mortgaged property as the repayment strategy. This will be verified by an underwriter to ensure that it's credible. repayment interest only For residential interest only mortgages, please tick all repayment strategies that apply: Cash Endowment Stocks and Shares ISA Cash ISA Pension Unit Trust Quoted Stocks Sale of the Sale of other UK Investment Bond and Shares mortgaged property residential properties Other* *please give details You will be required to provide us with documentary evidence from the product provider of your chosen repayment strategy (which must have been in place for a minimum of 12 months). 94 You may have to pay a Product Fee for your mortgage If possible, would you like the Product Fee added to your loan? Please te that if you add the Product Fee to your loan, your total loan size will increase and you will be paying interest on the additional amount. ADDITIONAL INFORMATION 95 Please tell us which type of mortgage valuation report you would like Mortgage valuation report HomeBuyer report Building Survey 96 Please give us details of who to contact to access the property name address tel 97 Please give us details of the Estate Agent selling the property name address tel 98 Please provide details of the bankbuilding society from which you wish to make your mortgage payments name of bank building society name of account holder(s) sort code account number These details will be used in the Direct Debit Mandate which will be sent to you with your Offer of Loan. You will be required to sign the Direct Debit Mandate and return it to us with your signed Offer of Loan. 99 Please give us details of the SolicitorsConveyancing firm and the individual acting for you name of firm address tel individual acting Please te if your chosen Solicitor is t on our panel, we will appoint a Solicitor from our approved panel to act on our behalf. This means you would be responsible for paying two sets of fees. However, if your Solicitor has partnership status they may be eligible to join our panel. Please contact us for more information. 7 of 11

12 SECTION ONE Other addresses you have lived at in the last 3 years, or property status Please tell us: full address dates fromto status (e.g. renting, owned) SECTION TWO Other mortgages For each mortgage you hold, please tell us: property address purpose (residentialbuy to Letother) amount outstanding lender s name lender's address how long have you been with this lender? account number is the account being redeemed? current monthly rent received If you're converting your current residential property to a Buy to Let, please tell us: your new address occupancy status e.g. renting if you re buying: - purchase price of the property - loan amount (if mortgaged) what you plan to do with any additional money borrowed from us SECTION THREE Employment and Income If you have had ather job in the last 12 months, please tell us: employer s name and address dates employed fromto your occupation Details of temporarycontract employment (including contract end date). Details of any other contracts held in the last 12 months current contract value () current contract end dates If you have other income, please tell us: source of income amount received per annum If you have a second job please give us the same information as for questions 28 to 45 8 of 11

13 SECTION FOUR Arrears highest number of months date of highest arrears date repaid Bankruptcy, Debt Relief Order (DRO) or Individual Voluntary Arrangement (IVA) date of bankruptcy DROIVA Have any arrears worsened in the last 6 months, or have you failed to meet the terms of any Individual Voluntary Arrangement in the last 6 months? date discharged Court judgements number of judgements date of judgement amount date repaid CIRCUMSTANCES Give details of the reasons for all arrears, bankruptcydroiva agreements and court judgements Refused loans CIRCUMSTANCES IncomeExpenditure: If you have told us that you are aware of future changes to your income andor expenditure, give details including: details of the change to your incomeexpenditure the date it will take effect any other information you feel may be relevant 9 of 11

14 SECTION FIVE Additional information about: the property outstanding debts additional occupiers additional Solicitor(s) information for Buy to Lets, how you intend to repay the loan income or funds from outside the UKEU IMPORTANT INSURANCE INFORMATION Protecting your Building and its Contents As a condition of the mortgage, you must have buildings insurance in place from exchange of contracts. This is to protect both you and us. It is your responsibility to ensure that the property is sufficiently insured at all times. We must receive details of the buildings insurance policy and approve it before release of funds. Other insurance As a responsible lender we recommend that all borrowers consider appropriate mortgage repayment protection, income protection and life insurance. Your customer may find the Money Advice Service helpful as they provide useful information about insurance. They can either go to or call of 11

15 THIS SECTION MUST BE COMPLETED BY ALL APPLICANTS. Please make sure you have read the following before you sign the declaration below. DECLARATION AND CONSENT To: Bank of Ireland (UK) plc (including its successors and assignees) trading as Bank of Ireland UK: 1 The information on this form is true to the best of my kwledge and belief. 2 I will let you kw straight away if any of the information on this form changes before completion of the mortgage. 3 I ackwledge that you have the legal power incorporated in the Mortgage Deed (Standard Security in Scotland) to subsequently transfer the mortgage to ather body which may t necessarily be a bank or an associated body of a bank and for the avoidance of doubt, I expressly and irrevocably consent to you exercising such power in your absolute discretion. 4 I will t rely on any valuation report prepared for Bank of Ireland UK when deciding: a to go ahead with the purchase or remortgage of the property b how much to pay for the property. 5 Any monthly payments made by any one of the borrowers may be treated as payment for all of the borrowers. 6 I authorise Bank of Ireland UK, its agents and distributors and their representatives to obtain any information about me they consider appropriate to my mortgage application and I authorise the giving of this information. 7 I agree that the information on this form and any additional information given to or obtained by Bank of Ireland UK may be held on paper, on computer andor in other electronic forms. You may keep information after my account(s) are closed in order to comply with your legal obligations and business record requirements. 8 IWe irrevocably authorise our SolicitorsLicensed Conveyancer to disclose to the lender, and the lender is authorised to disclose to my SolicitorLicensed Conveyancer, any information relating to this application or any related transaction, such as the purchase of the property. IWe give up any right to claim SolicitorClient confidentiality or legal privilege in respect of such information. 9 I agree that any information obtained by Bank of Ireland UK for the purpose of considering this application may be disclosed to any other applicant. 10 I agree that any information held by Bank of Ireland UK about me may be used for the following purposes: a to verify my identity b to manage my account(s) andor your business c credit assessment including credit scoring d getting references from my employer, accountant, bank or other similar sources e searching the files of credit reference agencies who will supply you with credit information and verification of my identity in line with money laundering requirements (this will include information from the Electoral Register). Scoring methods may be used in verifying my identity. The agencies will record details of the search whether or t this application proceeds f disclosure to a credit reference agency. This information may be used by other lenders for credit assessment, tracing debtors and recovering debt g disclosure to the Council of Mortgage Lenders to hold on their Possessions Register h disclosure to market research organisations acting for you i disclosure to other agents of the lender for the purpose of managing my account j prevention or tackling of fraud or other illegal activity. I understand that Bank of Ireland UK will pass information to and make searches at fraud prevention agencies who will supply information to Bank of Ireland UK. This information may also be passed to financial and other organisations involved in fraud prevention. I ackwledge that the information you pass to fraud prevention agencies will be recorded k details of my account and how I conduct this account will be passed to credit reference agencies including details if my monthly payments are t made in full and on time l developing and improving the products and services you provide and make available. 11 I agree that any information held by Bank of Ireland UK about me may be given to and used by: a agents and other third parties performing any activities permitted by this declaration b other mortgage lenders or anyone acting on their behalf for the prevention of fraud c anyone to whom you might transfer or dispose of your rights under the mortgage d any guarantor on my mortgage e your regulators in order to comply with your regulatory obligations. 12 I agree that from time to time, you may disclose or transfer my personal information to persons or companies who are based outside of the European Ecomic Area so they may process my personal information as your data processors. You will take steps with a view to ensuring that such persons or companies agree to give my personal information at least the same level of protection as you are required to give it in the UK and act solely on your instructions. Any such processing may be for any of the purposes described in this declaration, and as permitted under data protection law. 13 Any information you hold about me or an associated person may be used on an anymised basis for statistical analysis (whether or t this application is refused or declined). 14 I understand that I can obtain a copy of any personal data you hold on me, and to which I am legally entitled, by applying in writing to Mortgage Customer Services, Bank of Ireland UK, PO Box 3191, One Temple Quay, Bristol BS1 9HY and paying any fee applicable. I also have the right to access personal records held by credit and fraud agencies and the names and addresses of these agencies will be supplied to me upon request. 15 I agree to Bank of Ireland UK sharing information about the property, or its value with other organisations to help value properties. 16 I understand that, in the interest of their customers, the underwriting insurer may monitor and record any calls made to them. 17 If I have told you that I will repay existing debts, whether from additional funds raised by this loan or t, I confirm these will be repaid before or immediately after completion. 18 I confirm that I will t be borrowing any more money to make immediate improvements to the property, unless I tell you otherwise. 19 I confirm that I will have full vacant possession of the property on completion, unless I tell you otherwise. 20 If t a Buy to Let application, I confirm that the entire property will be for me and my family s residential use unless I tell you otherwise. 21 I confirm that the property is built from brick or stone unless I tell you otherwise. 22 I confirm that the roof of the property is built from tile unless I tell you otherwise. 23 I am t purchasing under either a Right to buy, Rent to Mortgage or Voluntary Purchase Grant or Shared Ownership (unless I tell you otherwise, the property is a house in Northern Ireland and I have applied through a Bank of Ireland branch) scheme. 24 I confirm that this property is t self build unless I tell you otherwise. 25 If the property is less than ten years old, I confirm that there is or will be an approved new home warranty scheme or Professional Consultant s Certificate in place. 26 I agree that Bank of Ireland (UK) plc, any other company within the Bank of Ireland Group ( you ) and your trusted partners may contact me by post, , telephone or SMS for marketing purposes about my account or to inform me of any products or services that may be of interest to meus. I do NOT want to receive information by: Post Telephone SMS I understand that restricting the ways you can contact me may limit the information about new products or services that you can offer me. I understand that if I have any other accounts with Bank of Ireland Group and have, at any time, provided marketing preferences different to those provided in this application, my earlier preferences will longer apply to those accounts. At any time I can ask you to change the method(s) by which I would like you to contact me by writing to FREEPOST MARKETING DEPARTMENT BANK OF IRELAND UK. By signing this Declaration I agree to you using my information in this way. 27 I understand that if my application is made in joint names and you search the files of a credit reference agency, an association will be created with the other person(s) named within the application. You or other lenders may take this financial association, created between the other applicants and myself, into account in future applications for credit or financial services. The association will remain until one of us successfully applies for disassociation with the credit reference agency. 28 Information held about me by the credit reference agencies may already be linked to records relating to other people who are financially associated to me (which may include persons other than a joint applicant to this loan). During this application, I may be treated as financially linked to those persons and my application will be assessed with reference to any associated records. 29 If false or inaccurate information is provided and fraud is identified, details will be passed 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: a checking details on applications for credit and credit related or other facilities b managing credit and credit related accounts or facilities c recovering debt d checking details on proposals and claims for all types of insurance e checking details of job applicants and employees. Please contact us at Mortgage Customer Services, Bank of Ireland UK, PO Box 3191, One Temple Quay, Bristol BS1 9HY 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 recorded by fraud prevention agencies. 30 I understand that Bank of Ireland UK is a trading name of the Bank of Ireland (UK) plc. 31 I understand that my mortgage may be refused if you get information later that disagrees with what I (or someone acting on my behalf) havehas already told you. 32 I understand that any calls made to Bank of Ireland UK may be recorded. 33 I understand that it is my responsibility to ensure that the property is sufficiently insured at all times. I ackwledge that any insurance policy which I take out through your insurer may mean that you will receive a commission and I agree to this. 34 I understand that if I do t take out mortgage payment protection insurance I will still be responsible for all loan payments if I become unemployed, sick or have an accident. 35 I confirm that I agree to these declarations. Please te: 1 If this is a joint application everyone must sign, and we recommend that you complete the application form together. 2 You must sign this form yourself. Signed Date Signed Date Mortgages are subject to status and valuation. Written illustrations are available on request. Borrowers must be 18 or over and Buy to Let borrowers must be 21 or over. Payment of valuation fee Bank of Ireland UK will need to check the information given by all mortgage applicants which will include obtaining references for the last three years. To ensure your application is processed as quickly as possible, we will commit your payment for the valuation fee after an initial assessment. 11 of 11

16 This document can be made available in Braille, large print or audio upon request. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Subject to status. Written illustrations are available on request. Residential borrowers must be 18 or over and Buy to Let borrowers must be 21 or over. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England & Wales. Registered Number: Registered Office: Bow Bells House, 1 Bread Street, London, EC4M 9BE. E0459h 9 BIM DG