The following apply when you proceed with a mortgage application:

To THE LENDER, which shall include any successor in title to the Lender or anyone to who the Lender transfers or assigns its rights and responsibilities.

I/We declare and agree that:

1. I/We are applying for the loan detailed in this application.
   
   
2. If the loan is to be regulated by the FSA, I/We have received a key facts illustration for the loan detailed in this application.
   
   
3. I am/We are 18 years of age or over.
   
   
4. I/We have personally completed this application, or if completed by another, have read and checked every answer.
   
   
5. The property to which this application relates is to be used as my/our main residence unless I have applied for a buy to let mortgage. I/We will not let the property or any part of the property, without the Lender's prior written consent.
   
   
6. The information given in this application is true complete and accurate whether completed by me/us or someone else on my/our behalf and should the loan be made such information must be regarded as forming part of the terms of the loan/mortgage. I/We have disclosed any additional information which is material to my/our application. If any such information is untrue, incomplete or inaccurate, I/we undertake to make good any loss which the Lender may suffer by relying on any information I/We have given the Lender. I/We understand that additional information may be requested and prior to completion of the mortgage I/we undertake to notify the Lender in writing of any change in my/our circumstances which affects (or may affect) the truth completeness or accuracy of the information supplied.
   
   
7. I/We authorise the Lender or its agents to make such enquiries of any person including current and previous lenders, employers, landlords, accountants, bankers, Land Registry and/or the Inland Revenue as it considers necessary in connection with this application to confirm the truth, completeness and accuracy of the above information and for credit reference purposes. Any costs incurred will be my/our responsibility.
   
   
8. I/We authorise the Lender to disclose details of the progress of my/our application to @Charcol Limited for the life of this loan/mortgage.
   
   
9. I/we give irrevocable consent for @Charcol Limited to make written representations or written amendments to this application on my behalf.
   
   
10. I/We irrevocably authorise the Lender, or its agents, to disclose any information provided by me/us on this application to a collective mortgage data checking system so that it can be made available to other financial institutions in the interests of fraud prevention. This authorisation also applies to any investigation by a court or authority in relation to money laundering. In the event of a breach of any of the agreements or obligations on my/our part under the loan which results in the Lender obtaining possession of the property, I/we authorise the Lender to make available information regarding the account and its conduct to the Council of Mortgage Lenders' Possessions Register and the Inland Revenue.
    
    
11. I/We are strongly advised to take independent legal advice.
    
    
12. I/We accept that the Lender may, at any time before any loan offered to me/us is completed, withdraw, revise or cancel such offer without stating a reason. If this application is successful the provisions of this declaration will continue to apply after the completion of the mortgage.
    
    
13. I/We accept that the information given in this application forms the basis of a proposal by me/us to an insurance company for either buildings insurance or where applicable, buildings and contents insurance or to an insurance company in respect of any maximum advance indemnity and that any information required by an insurance company may be given to it by the Lender or its agents. I/We consent to the information given in this form being used by the Lender, its agents or an insurance company for the purposes of providing me/us with a quote for ASU (Accident, Sickness, Unemployment) or term assurance cover. I/We consent to the information in this application and on any claim we may make being supplied to Insurance Database Services Limited, so that can be made available to other insurers. I/We also agree that in response to any searches that may be made in connection with this application or claims, Insurance Database Services Limited may supply information it has received from other insurers about other claims I/we have made.
    
    
14. I/We agree that the Lender may, without notice, transfer or assign, either in whole or in part (whether legal or equitable), any loan, mortgage or policies of life assurance or any other security made in connection with this application to its successors and assignees which shall include without limitation its legal and equitable assigns whether by way of absolute assignment or by way of security only and those deriving title under them. I/We understand that in such circumstances, the Lender's may not in the ordinary course of business retain control of the setting of the mortgage rate, communications, and the conduct of relations with me/us. I/We consent to such a transfer or assignment. If the Lender is a Building Society, I/we understand that such a transfer will lead to the termination of my/our borrowing membership of the Society and the loss of any rights associated with such membership.
    
    
15. I/We further acknowledge that whilst the transferee of the loan/mortgage would be the person legally entitled to receive payments under the loan/Mortgage agreement and such a transfer may affect the Lender's policies in relation to the setting of the interest rates and the conduct of arrears. I/We understand that our acceptance of any Offer of Advance will constitute our general consent to the future transfer of my/our mortgage on the foregoing terms and as more particularly set out in the Lender's mortgage conditions.
    
    
16. The rate of interest and monthly repayment for any loan/mortgage granted may be varied from time to time in accordance with the terms and conditions of the loan/mortgage.
    
    
17. I/We confirm that no charges exist over the property except those that have been notified by me/us and I/we will not enter into any further charge(s) over the property prior to or after completion of the loan/mortgage without advising the Lender and obtaining the Lender's prior written consent.
    
    
18. I/We confirm that my/our income is as stated in my application and is sufficient to support all of the relevant payments required to sustain the Mortgage. I/We understand that a false declaration will result in the mortgage offer being withdrawn and that the failure to maintain the payments due may result in the repossession and forced sale of the property in order to pay all monies owing.
    
    
19. Unless otherwise stated in my/our application, I/we confirm that I/we have made all payments due under any existing or previous loan/mortgage to which I/we have been a party on the date and in the manner required by the Lender and that no arrears have arisen.
    
    
20. I/We understand that if a loan/mortgage offer is made the Lender may instruct a solicitor (Solicitor shall include at the Lender's discretion, where relevant, in England and Wales a licensed conveyancer or in Scotland a qualified conveyancer) to act on its behalf and that I/We will be responsible for the Lender's legal costs and disbursements whether or not the loan/mortgage completes. I/We irrevocably authorise my/our solicitor, at the Lender's request to disclose to the Lender (or its solicitor) any information or documents relating to this application and/or the loan/mortgage and/or the purchase transaction. The Lender is authorised to disclose to its solicitor (and where different, my/our solicitor) any information or documents relating to this application and/or the loan/mortgage and/or the purchase transaction. I/We give up any right to claim solicitor/client confidentiality or legal privilege in respect of such information. I/We will tell you (and my/our solicitor) if any information I have given in this application changes, or if circumstances relating to my purchase or loan/mortgage alter before completion of the loan/mortgage.
    
    
21. If in the Lender's opinion, either a third party or one or more of us has an interest in the property and may not be getting a direct benefit of the loan, the Lender may decide to obtain further information. This may be in writing, through interview or through a solicitor in order to explain the risks to any of us or a third party involved in the transaction. As a result of obtaining further information it may be relevant to supply a copy of the loan application and financial information to an independent solicitor and I/we consent to this.
    
    
22. I/We authorise the Lender or its agents to instruct a valuer to prepare a mortgage valuation report at my/our cost for the Lender's own purposes. Neither the Lender nor the valuer nor the firm of valuers is under any liability either on the basis of its negligence or on any other basis whatsoever to me/us as purchasers or borrowers in respect of the value or state of condition of the property and that the inspection of the property will be confidential to the Lender or its agents and will not include a detailed survey of the structure. I/We understand the fee is payable in advance and is not returnable whether or not an offer of loan/mortgage is made. I/We further understand that the Lender is not an agent of the valuer or firm of valuers and that I am/we are making no arrangement with the valuer or firm of valuers. Neither the Lender nor the valuer or the firm of valuers will warrant, represent or give any assurance to me/us that the statements, conclusions and opinions expressed or implied in the report and mortgage valuation are accurate or valid and (if the report is supplied to me) the report will be supplied without any acceptance or responsibility on their part to me/us. I/We understand that the Lender is not obliged to provide me/us with a copy of the report and mortgage valuation. I/We also understand the report is not a structural/building survey or house/home buyers report and that there may be serious defects in the property which are not revealed by the report and mortgage valuation. I/We understand and accept that it is my/our responsibility to satisfy myself/ourselves as to the structural soundness and condition of the property and its value for re-instatement purposes. I/We accept the scheme's arrangements for the insurance of the property.
    
    
23. I/We authorise the Lender to add or to deduct from the advance any arrangement or acceptance fee, telegraphic transfer fee, maximum advance fee and additional security fee where applicable if the Lender's criteria permits such additions or deductions.
    
    
24. I/We undertake to pay any legal, valuation and other disbursements incurred by you whether or not the loan/mortgage completes.
    
    
25. I/We consent to the Lender giving or receiving any information on this application or concerning the conduct of my account (whether or not in default) to any of the following:
    
    (f) One or more credit reference agencies (which will retain a record of the search)
    
    (g) Insurance companies
    
    (h) The Council of Mortgage Lenders Possessions Register
    
    (i) Operators of fraud prevention systems accessed by other lenders all of whom may in turn make it available to other lenders and insurers for the purpose of assessing further applications for credit or other financial services, by me and members of my household and for occasional debt tracing, arrears management and fraud prevention.
    
    (j) Any person acting as or on behalf of any guarantor.
    
    
26. I/We confirm that all payments made in respect of any mortgage granted are made for and on behalf of all applicants detailed in this application, irrespective of the originator of such payments. I/We understand that where a loan is made to joint applicants, we will be jointly and separately liable to the Lender for the amount of the loan.
    
    
27. I/We understand that any person (other than an employee of the Lender) with whom I/we deal in connection with the loan/mortgage applied for (or any related insurance) is not empowered to make any representation or give any undertaking on behalf of the Lender, whether in relation to the loan/mortgage applied for.
    
    
28. I/We accept that if the Lender is a Building Society, I/we agree to be bound by the rules of the Society.
    
    
29. I/We acknowledge that, where a booking fee is paid to the lender to secure funds under a limited issue product, the fee paid in this respect is non-refundable. I/We confirm that I/we have been made aware of any potential arrangement fees, early repayment fees and/or redemption interest that may be payable on redeeming all or part of the loan/mortgage.
    
    
30. I/We acknowledge that part of the application fee paid at the outset pays the cost of initial assessment of my/our loan application and that, in the event that my/our loan application is declined or does not proceed before the valuer has been instructed, the application fee paid will be refunded net of these costs. I/We further acknowledge that once a valuer has been instructed, no refund of the application fee can be allowed.
    
    
31. I/We confirm that I/we have read and understood the "Data Protection Act (How your information is used)" section and consent to the uses and disclosures of information listed. I/We also confirm to making the declarations and giving the authorities as detailed below.

The information you provide will be used by the Lender (the Data Controller) for the purposes of processing your application, managing your account, risk assessment and, where appropriate, fraud prevention. Where necessary information may be disclosed to service providers, agents regulatory bodies and auditors of the Lender.

In considering your application lenders will search your record with Credit Reference Agencies, who will add to your record details of the search. Details of the search will be seen by other organisations to who you submit an application. Both lenders and Credit Reference Agencies use credit scoring methods to assess your application.

It is important that the information you provide is accurate as checks about you and other members of your household may be carried out with Fraud Prevention Agencies, to trace debtors, recover debt, prevent money laundering and fraud.

Lenders, Credit Reference Agencies and Fraud Prevention Agencies may also use your information for statistical analysis about credit, and insurance fraud.

For marketing purposes, the Lender and associated companies of the Lender would like to keep you informed of goods and services which may be of interest to you. To do this they may contact you by mail, telephone, e-mail or fax. If you do not wish to be contacted for marketing purposes please tick the box on the mortgage application.

Where necessary the Lender will need to collect personal data which the Data Protection Act 1998 defines as sensitive data, such as health data. By providing this you signify your consent to such information being processed by the Lender and its service providers and its agents. You also consent to the transfer of your data abroad where this is necessary.

You have the right to ask for a copy of your information (subject to the payment of a fee) and to ask for any inaccuracies to be corrected.

Information held about you by the Credit Reference agencies may already be linked to records relating to one or more of your partners.

For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records unless you chose to opt out. Where it is available you may choose to opt out by ticking a box on the application form.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE