ࡱ> ` Cbjbjss ;4\\\\042($Khdʟʟʟʟʟʟ Ԝ ! \Ɲ:d40BlTtʟ 444drw444w444  CRS CONSULTANTS LTD MORTGAGE CLIENT FINANCIAL FACT FIND Name of Adviser  Name of Client  Date of first contact  Dates of subsequent contacts  (For use with Retail Customers Only) Office Contact Phone Number: 01606 48521 Office Contact Fax Number: 01606 40031 Web Address:  HYPERLINK "http://www.crs-consultants.co.uk" www.crs-consultants.co.uk Email  HYPERLINK "mailto:info@crs-consultants.co.uk" info@crs-consultants.co.uk Please answer each question fully and carefully before checking the form and signing the declaration. APPLICANT DETAILSFIRST APPLICANTSECOND APPLICANTFull Name SURNAME FORENAME(S)Date of Birth / / Smoker? Yes/No / / Smoker? Yes/NoRelationship to other ApplicantDependantsYes/No Ages Yes/No AgesCurrent address Postcode PostcodeEmail address: Home WorkCurrent residential statusOwner /Tenant / LWP/Other/ Owner/Tenant/LWP/Other If renting, how much do you pay? per week/month  per week/month Are you on the electoral roll there?Yes/NoYes/NoLength at current address? Yrs Mths Yrs MthsPrevious address if less that 3 years (Detail other addresses on separate page if necessary)  Postcode  PostcodeTelephone numbersHome HomeWork Workeach applicant is to delete as applicable Category of Applicant:-First time Buyer Yes/No Mover Yes/No Re-mortgaging Yes/No Right to Buy Yes/NoShared Ownership Scheme Yes/No Borrowing an Additional amount Yes/NoIf you are borrowing an additional amount how much?  What is this for?Are there any foreseeable changes to your circumstances? If Yes, what are they?Yes/NoYes/No APPLICANT DETAILSFIRST APPLICANTSECOND APPLICANTOccupation: Employment status are you? If other give details Employed Y/N self-employed Y/N contract worker Y/N permanent Y/N temporary Y/N pensioner Y/N other Y/N Employed Y/N self-employed Y/N contract worker Y/N permanent Y/N temporary Y/N pensioner Y/N other Y/NTime in current employment Yrs Mths  Yrs Mths Details of probationary period, if anyIf employed less than a year detail your previous occupation, employer and dates of employmentIf employed: Basic salary p.a. Guaranteed additional p.a. (overtime, bonus, etc.) Regular additional p.a. (overtime, bonus, etc) Other Income (please specify)  Your expected retirement ageDetails of any other income (e.g. pensions, rental, investment, state benefits, allowances)If self-employed number of years accounts available Net profit last year Previous year Year before that  Total Income FINANCIAL DETAILSPlease provide further details on the continuation sheet if necessary.Do you have any credit cards? Total amounts outstanding Do you repay the full amount each Month? Do you have any hire purchase, loans or rental agreements? If Yes how many? Regular repayment amount(s) Amounts outstanding Number of months remainingYes/No Yes/No Yes/No per month Yes/No Yes/No Yes/No per month Are any of the above amounts outstanding to be added to the Mortgage advance? If Yes, provide details:- Yes/No bal. outstanding mthly repayments Yes/No bal. outstanding mthly repaymentsAre you making any child maintenance or alimony payments? Yes/No per Yes/No perExpenditure AnalysisCurrent Mortgage (if not redeemed)Life policies/health cover/savingsPension ContributionsLoans/Hire PurchaseUtilitiesCouncil TaxFoodTV/telephone/mobileMaintenanceCar/TravelChildcare/school/universityOtherTotal ExpenditureNet Disposable IncomeBudget FINANCIAL DETAILSDo/Will you have any funds available to reduce the mortgage advance in the future? If Yes, how much and when? (provide details on the continuation sheet if necessary) Yes/No  Yes/No In the event of serious illness:- Could you continue paying your financial commitments? Will you still receive any regular income? If Yes how much will you receive? Where from? Do you have any critical illness or unemployment insurance? Yes/No Yes/No Yes/No  Yes/No Yes/No Yes/No Do you have an Endowment or Life policy (Mortgage Protection etc)? I Yes, name of provider Monthly Premium Start and Maturity Dates (month/year) Maturity Value (if known)Yes/No / / Yes/No / / Have you ever had a loan or mortgage application refused?Yes/No Yes/No Have you ever had a judgement for debt or a loan default registered against you?Yes/No Yes/No Have you ever been declared bankrupt or made an arrangement with your creditors?Yes/No Yes/No Have you ever failed to keep up your payments under any previous or current mortgage, rental or loan agreement?Yes/No Yes/No N.B: If you answered YES to any of the above, please give details on a separate sheet (identifying the lender) CURRENT MORTGAGE DETAILSFIRST APPLICANTSECOND APPLICANTa) Lender and Account Numberb) Amount of Loan outstandingc) Term remaining Years Yearsd) Repayment methodInterest only Yes/No C&I Repayments Yes/NoInterest only Yes/No C&I Repayments Yes/Noe) Current rate and amount % per month % per monthf) Interest rate type if 2/3 or 4 applies, when does rate end?1 Variable Yes/No 2 Discount Yes/No 3 Capped Yes/No 4 Fixed Yes/No 1 Variable Yes/No 2 Discount Yes/No 3 Capped Yes/No 4 Fixed Yes/No g) If selling, what is the sale price?h) Are there penalties if you transfer or repay your existing mortgage now? If Yes how much are they?Interest Yes/No Cashback Yes/No Interest Yes/No Cashback Yes/No i) Are you prepared to pay any penalties if you transfer/repay your current mortgage?Yes/No Yes/No j) Are your current mortgage terms portable to a new property?Yes/No Yes/No  PROPERTY TO BE MORTGAGEDFIRST APPLICANTSECOND APPLICANTWill this be the only property you own or have a mortgage on? If No please explainYes/No Yes/No Address of property to be mortgaged Postcode Price of the property being purchased Estimated value How much do you want to borrow? Over what term? YearsDoes this include the additional fees? Yes/No If Yes how much is to be added? Property type: Freehold Yes/No Leasehold Yes/No Feuhold Yes/No Bungalow Yes/No Flat Yes/No Maisonette Yes/NoDo you have the funds available to complete this transaction? Amount of funds available Source of funds available Is the vendor/builder paying your deposit? Yes/No Yes/No Yes/No Yes/No  PROPERTY TO BE MORTGAGEDIf you are purchasing under Right to Buy legislation: estimated value are you borrowing more that the purchase price? If Yes please provide approximate cost and brief details Yes/No If you are buying on a Shared Ownership scheme: percentage of property to be purchased Which shared Ownership body are you buying from? %Are any home improvements planned? If Yes please provide brief details and approximate costs Yes/No  CONTINUATION SHEET FIRST APPLICANT PRINT NAMESignatureDate SECOND APPLICANT PRINT NAMESignatureDate Key Information about the type of mortgage applicable to you In order to give you a high standard of service, we need to understand your requirements, attitudes and objectives to help us to provide you with a mortgage fitting your needs and relevant to your circumstances. State a reason where you answer Yes. Might your income or expenditure change significantly within the foreseeable future? Income Yes/No Approximate timescale/Amount/Reason Expenditure Yes/No Approximate timescale/Amount/Reason Do you have any plans to pay off some or all of the mortgage in the foreseeable future? Yes/No Approximate Amount Approximate timescale/Reason Are you likely to move home within the mortgage term (other than this transaction)? Yes/No Larger/Smaller Approximate timescale/Reason Please indicate the features most important to you. An upper limit on your mortgage cost for a specific period Yes/No Reason To fix your mortgage costs for a certain period Yes/No Reason Access to an initial cash sum (known as Cashback) Yes/No Reason A discount on your mortgage repayments ion the early years. Yes/No Reason No early settlement interest on full or part repayment Yes/No Reason No tie-in after a fixed, discounted or capped interest period Yes/No Reason No high percentage lending fee Yes/No Reason Speed of mortgage completion Yes/No Reason Ability to ad fees to the loan Yes/No Reason Ability to vary the repayment amount or take repayment holidays Yes/No Reason 5. Please indicate whether:- You are concerned about the possibility of future interest rate movements Yes/No Reason You want the certainty of your mortgage being rapid at the end of the term Yes/No You are comfortable if all or part of your mortgage is repaid from the proceeds of an investment product, i.e. an endowment, ISA or Pension? Yes/No/All/Part Key Information about the type of mortgage applicable to you 6. What is your attitude to the risk of repaying your mortgage? Cautious Yes/No Adventurous Yes/No 7. Changes in personal circumstances, such as loss of income, can lead to you being unable to repay all or part of your mortgage commitments. Do you require payment protection insurance? Yes/No If Yes:- How much repayment cover do you require? Full/Part Do you want the benefit payment to be in excess of the mortgage repayment No/Yes Is the cover to be for joint applications or a single applicant? Joint /Single Do you require a quotation for buildings and contents insurance? No/Yes DECLARATIONS PLEASE DO NOT SIGN THIS DECLERATION UNLESS YOU ARE ENTIRELY SATISFIED. IF YOU HAVE ANY QUESTIONS OR ARE NOT SATISFIED WITH ANY ASPECT, ASK YOUR MORTGAGE ADVISER FOR ASSISTANCE BEFORE SIGNING THIS OR ANY OTRHER MORTGAGE FORM. I/We agree that this Factfind is a true record of my/our discussions with the mortgage adviser and that this information is true to the best of my/our knowledge. I/We accept that this Factfind relates only to mortgage advice and is not a Factfind for investment advice regulated under the Financial Services Act. I/We confirm that the personal and confidential information provided by me/us can be disclosed by the mortgage adviser for the purposes of arranging a mortgage on my/our behalf and that I/We have read this completed Factfind before signing below. Data Protection Disclosure You can be rest assured that we will keep all of your personal information private and confidential, even when you are no longer a customer, except where disclosure is made at your request or with your consent. Under the terms of the Data Protection Act, you have the right to view any personal data we may keep on you. In order to process your mortgage application it may be necessary to disclose your information to third parties, such as the Financial Services Authority or obtaining compliance advice. Some of these parties may hold this information indefinitely. You agree that personal information held by us may be disclosed on a confidential basis and in accordance with the Data Protection Act 1998 to any such third parties. You also agree that this information may be transferred electronically, e.g. email and you agree that ourselves, or any such company, may contact you in future by any means of communication which we consider appropriate at the time. First Applicants signature Second Applicants signature Date Date I confirm that the applicant (s) read and agreed the information recorded before signing above and that I have provided them with a true copy of the Factfind. I also confirm that I have provided the applicants with a copy of my firms Terms of Business and Initial Disclosure Document. Advisers Name (print) Advisers signature Date YOUR HOME MAY BE RESPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED UPON IT. Provision of Information Checklist Please tick to confirm the information which has been provided. 1The different types of products and interest rate arrangements which might meet the customers needs (including what the customers future repayments after any fixed or discounted period might be)2The main repayment methods3For interest only mortgages The various methods for repaying the mortgageThe consequences of failing to make suitable arrangements to pay the mortgageThat it is the clients responsibility to ensure a repayment vehicle is maintained for the duration of the mortgage4The consequences of early repayment e.g. redemption penalties5Related insurances e.g. building and contents6The customers responsibility to ensure that all the necessary forms of insurance relating to the property and mortgage are in place7That certain insurances may be a condition of the mortgage8All fees, costs etc. associated with the mortgage9Whether or not terms and conditions of the mortgage product are portable in the event of moving house10When customer account details may be passed to credit agencies11Any high lending fees12Possible consequences for the clients mortgage should their personal circumstances change e.g. accident, sickness, redundancy and the options available to them e.g. MPPI13KFI provided to client (including any change in payment after the expiry of any fixed/discounted period) 14Client made aware that the affordability assessment is based on current interest rates, which may rise in future, and on the Customers current circumstances, which might change in future 15Client warned that the KFI should be read and understood16If the application involves redeeming the customers existing mortgage, all associated costs and other possible consequences explained17Disclosure of any procuration fees which will be paid by the lender18Client understands what happens next and anything (s)he has to do19Client has a copy of Terms of Business/Initial Disclosure Document20Client 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