Mortgage Application Form

Application type X

  Residential Purchase

X

  Buy to Let Purchase

X

  Residential Remortgage

X

  Buy to Let Remortgage

X

  New Build

X

  Help to Buy

X

 Co-Ownership

X

  Self Build

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Mortgage Application Form 4 ways to get applications through quicker Following the four steps below will help us process your cases quickly, speed up completion and ensure prompt payment of your procuration fee. Rather than having us chase you for information (and interrupt your business), we thought it would help if we highlighted a few key pointers on how to make sure your applications are fully packaged.

1. Always send us fully completed application forms This might seem obvious but giving us all that we need is important. You’ll often have the missing information to hand – in many instances you’ll know the answers off the top of your head. Below are some of the most common areas where there is missing or incorrect information: Full addresses for last three years

X X

Your name, company name and relevant FSA reference number

X

The product your client wants together with relevant illustration

X

Details of your client's credit/debit card or Ulster Bank current account

X

Correctly signed application (Declaration Direct Debit Mandate)

2. Ensure all Third Party Applications are posted to: Ulster Bank Ltd Mortgage Intermediary Unit 5th Floor Donegall Square East Belfast BT1 5UB

3. Always send the correct documents for credit assessment and identification checks Documents required for identification checks Identification • A certified copy of current valid passport OR • A certified copy of current full driving licence Address • A certified copy of a bank statement confirming the customer’s name and current address – less than 6 months old OR • A certified copy of a utility bill (not mobile phone) or a credit card statement – confirming the customer’s name and current address – less than 6 months old Important – Certifying documents Please ensure that every page of each document is certified with the words ‘true copy of the original’ and shows your company name and your full name (in BLOCK CAPITALS), together with your signature and the date. Documents carrying a photograph can be certified only if you met the customer face-to-face and should be certified with the words ‘true likeness of applicant’.

Evidence of Income (EOI) and Bank Statements Ulster Bank NI Current account holder statement requirements – customers should have maintained an account with us for a minimum of 3 months. Ulster Bank Customer must have either a live mortgage account or live bank account. Certified EOI & Bank Statements – photocopies of required documentation must be fully certified copies of originals, i.e. stamped, dated and signed. When certified copies are enclosed only 1 of the copies needs to be stamped and signed as certified. However must specify number enclosed i.e. 1 of 4 or 1 of 6 etc. All pages must run consecutively and be numbered by provider. Most recent statements must be no more than 5 weeks old from date of application submission to Mortgage Centre. All applicants must supply three most recent payslips ( weekly or monthly) and the latest three months’ consecutive statements. Best Practices: • If customer is paid in cash please supply most recent P60. • If net pay and/or tax deduction amounts are the same on each payslip please supply most recent P60. • If the term of the mortgage extends into retirement send evidence of income in retirement.

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Self Employed • latest 3 months’ consecutive personal bank statements verifying expenditure and • latest 3 months’ consecutive business bank statements (If business account is not with the Bank) and • 2 years finalised accounts OR • Tax Assessment forms confirming 2 years Key Data (must include tax returns and Inland Revenue acceptance forms)

Self Build Requirements For all self builds we require – Valid Planning Permission Building Control Approval

X

Yes

Estimated completion date

X

No

X

(please tick)

D D MM Y Y Y Y

In addition if the build is builder led we require – Fixed Price Contract – on headed paper

X

Builders’ Personal Indemnity Insurance

X

NHBC certificate

X

If the build is Architect or Chartered Building Surveyor led we require – Architects/Surveyors’ costings to complete the build – on headed paper

X

Estimates from all tradesmen

X

Architects’ Personal Indemnity Insurance

X

4. If you have any questions about the information you need for any of your cases please give us a call before you submit them. Our dedicated Broker Team is here to help with every aspect of your business on 028 90275965 or 028 90412122.

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Please complete this form in BLOCK CAPITALS and black ink.

General Mortgage Application Form We welcome you to Ulster Bank and thank you for choosing us. To help us decide whether we can provide you with a mortgage please answer all the questions on this form in BLOCK CAPITALS. We will use your answers to help us administer the services we supply to you and any future agreements we may have with you. p Your information For details of how we and others will use your information and how to give your consent, please look for the padlock symbol below and in the accompanying Terms and Conditions or contact Ulster Bank Limited Mortgage Centre, PO Box 1953, Cartsdyke Avenue, Cartsburn East, Greenock PA15 1ZA. Fields marked with * are mandatory to enable completion of the account opening process.

Part 1: Intermediary Information FCA number: Network (if

Intermediary Company



applicable)



Network FCA details

Intermediary Address:



  Intermediary Telephone No. Email address: Fax No. Broker name Advised Sale

X

  Help to Buy mortgages can only be provided via an advised sale

Is your mortgage broker charging you a fee for this service?

Yes

No

X

X

Buy to Let 

X

 Rejected Advice 

X

(please tick)

If yes, please confirm the amount £ , £ £ £ , £ £ £ . £ £

Part 2: Details about yourself

APPLICANT

JOINT APPLICANT

Complete in full using information as it appears on the photographic identification provided. Initials in place of full name are not acceptable. First name*





Middle name*









Surname * Are you known by any other name? Yes No Please state any other Name you are known by (e.g alias name) X

X

Other known – First name Other known – Middle name(s)



Other known – Surname



Telephone number Home





Mobile





Date of birth *







Age next birthday



Marital Status



Sex M

X

F

X



M

Country of Nationality*



Country of residence*



Client Future Status

Owner



Power of Attorney

X



Previous Owner X



X



X

Owner

F

X

X



Previous Owner

Power of Attorney

X

X

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Number of dependants (if applicable) Age of dependants (if applicable)















Part 3: Address details Do you have an existing residential Ulster Bank House Mortgage? Yes

X

No

X

(please tick)

If yes, please insert Ulster Bank House Mortgage Reference Are you currently tied-in to an Ulster Bank mortgage product?

Yes

X

No

X

(please tick)

Are you currently tied-in to a mortgage product?

Yes

X

No

X

(please tick)

If yes, are you willing to pay penalties to be released?

Yes

X

No

X

(please tick)

Present address*

Present address*

County

County

Postcode

Postcode

At present are you? Owner

X

At present are you?

Tenant X Living with parents

X

Other

X

X Tenant Owner

If other, please provide details on page10 or please refer to additional pages. When did you move to this address?

D D MM Y Y Y Y

X

Living with parents

X

Other

X

If other, please provide details on page 10 or please refer to additional pages. When did you move to this address?

D D MM Y Y Y Y

Please complete details for all addresses in the last three years

Please complete details for all addresses in the last three years

Previous address 1

Previous address 2

County

County

Postcode

Postcode

When did you move to this address? D D M M Y Y Y Y

When did you move to this address?

Were you?

Were you?

Owner

X

Tenant

X

Living with parents

Estimated value of property

X

Other

£, £ £ £, £ £ £ . £ £

X

X Tenant Owner



Is your property to be sold



X

D D MM Y Y Y Y

Living with parents

Estimated value of property

X

Other

X

£, £ £ £, £ £ £ . £ £

Is your property to be sold

Existing Mortgages (Name and address of lenders) Name

Name

Address Address County Postcode

County Postcode

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Mortgage reference/roll no.



Mortgage reference/roll no.

£, £ £ £, £ £ £ . £ £

Amount outstanding

£, £ £ £, £ £ £ . £ £

Amount outstanding

Channel of KYC' (i.e Branch face to face/non face to face channels Telephony or Internet)



Part 4: Income details Occupation*



*See occupation codes in Appendix 1. Employment Status

Permanent

X

X Temporary

X Other X Contract

Permanent

X

Temporary X

Contract

X

X Other

Are you working for at least 16 hours per week in the UK, Channel Islands or IoM? X No X (please tick) Yes

Yes

X

X (please tick) No

Are you aware of any circumstances that may affect your employment status in the near future? X No X (please tick) Yes

If yes, please give further details.

Planned Retirement Age? 

Yes

X

X (please tick) No





Planned Retirement Age? 

To be completed if you are in salaried or wage-earning employment Employer’s name





Employer’s address County Postcode

County Postcode

Telephone number:



Employment Start Date: D D M M Y Y Y Y

D D MM Y Y Y Y

If less than 3 years, state: Previous occupation



Previous Employer’s Name and address County Postcode

County

Postcode

Employment Start Date: D D M M Y Y Y Y

D D MM Y Y Y Y

Employment End Date: D D M M Y Y Y Y

D D MM Y Y Y Y

If more than 1 previous employer in the last 3 years, please provide details in Additional Notes section

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To be completed if you are self-employed, a share-holding company director or a partner in a firm. Nature of Business*



Name and address of business* County

County

Postcode Status

Sole Trader

X

Postcode

X Director Partner

X



Sole Trader

X

Partner X Director

Yes

X

X (please tick) No

X

Do you own a share in the company? X (please tick) Yes X No

%

If yes, how much is your share? We also require the following for self-employed customers: Last 2 years finalised accounts details

%



Year 1



Year 1

Year 2



Year 2

Please enter accountant’s details in the Additional Notes section. If the applicant is a non-Ulster Bank customer we require the last 3 months personal bank statements and their last 3 months business bank statements. Gross Income; Please enclose your most recent payslip or last 2 years Audited/Certified Accounts. Source and nature of your income* (1) Income type





Income Frequency Income Frequency

Net Income and Frequency

£, £ £ £, £ £ £ . £ £



£, £ £ £, £ £ £ . £ £

Gross Income and Frequency

£, £ £ £, £ £ £ . £ £



£, £ £ £, £ £ £ . £ £

Guaranteed Overtime and Bonus

£, £ £ £, £ £ £ . £ £



£, £ £ £, £ £ £ . £ £

(2)

Other Income type



Regular Overtime





Other Income and Frequency

£, £ £ £, £ £ £ . £ £



£, £ £ £, £ £ £ . £ £

Other Assets – See (3) below

£, £ £ £, £ £ £ . £ £



£, £ £ £, £ £ £ . £ £

(1) Income consists of the following: basic salary, housing allowance, pension or guaranteed shift allowance. (2) Other income type consists of the following: Disability Living Allowance, maintenance payments, regular commission/income from shares and investments or 50% of property rental income. (3) Please list other assets, or information relating to the applicant's assets and/or net worth in detail in the Additional Notes Section.

Part 5: Credit Questions Please answer the following questions about your finances: APPLICANT Have you... Personally or as a company director been bankrupt, insolvent or entered into any arrangement with your creditors? Yes

JOINT APPLICANT

X

No

X

(please tick)

Yes

X

No

X

(please tick)

Failed to keep up payments under a mortgage or other loan?

Yes

X

No

X

(please tick)

Yes

X

No

X

(please tick)

Had a court judgement registered against you?

Yes

X

No

X

(please tick)

Yes

X

No

X

(please tick)

Made arrangements with Creditors?

Yes

X

No

X

(please tick)

Yes

X

No

X

(please tick)

Been refused a loan?

Yes

X

No

X

(please tick)

Yes

X

No

X

(please tick)

Defaulted on Credit Accounts?

Yes

X

No

X

(please tick)

Yes

X

No

X

(please tick)

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If the applicant answers YES to any of the above questions please enter the details in the space provided.

Part 6: Your Finances What is your budget for your Mortgage and associated costs?  £ , £ £ £ , £ £ £ . £ £



MAIN APPLICANT

JOINT APPLICANT

£ per month

Expenditure

Expenditure

£ per month

Other Mortgage Repayments

£

Other Mortgage Repayments

£

Building Insurance

£

Building Insurance

£

Rates

£

Rates

£

Life Assurance

£

Life Assurance

£

Maintenance/Child Support

£

Maintenance/Child Support

£

Childcare Costs

£

Childcare Costs

£

Monthly loans/HP

£

Monthly loans/HP

£

BOTH APPLICANTS Your commitments Please specify the total amount outstanding:

Purpose of guarantees

Loans from Ulster Bank

£, £ £ £, £ £ £ . £ £

Loans from other providers

£, £ £ £, £ £ £ . £ £

Guarantees

£, £ £ £, £ £ £ . £ £

Total commitments for both applicants £ , £ £ £ , £ £ £ . £ £ BOTH APPLICANTS Your credit card details Total number of cards X

0

X

1 £ , £ £ £ , £ £ £ . £ £ Bal

X

2 £ , £ £ £ , £ £ £ . £ £ Bal

X

Chargecard

X

3 £ , £ £ £ , £ £ £ . £ £ Bal

X

4+

Please indicate card type(s) held X

Visa

X

MasterCard

X

Storecard

Total balance outstanding for main applicant £ , £ £ £ , £ £ £ . £ £

Total balance outstanding for joint applicant £ , £ £ £ , £ £ £ . £ £

Are you aware of any circumstances that may affect your affordability in the near future?  Yes  If yes, please give further details.

X

 No  X (please tick) 

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Part 7: Bank details MAIN APPLICANT Name of Bank



Name of Branch



Sort Code Account Number

Account Duration JOINT APPLICANT Name of Bank



Name of Branch



Sort Code Account Number

Account Duration

Part 8: Loan details Rate & Mortgage product required (Product code) Please also state product and balance of any current tie-in to be carried forward Purpose of loan:* House purchase:

Right to buy:

X



Capital raising on existing property:

X

X Re-mortgage: Further Advance:

X



Investment Property:

X

X



Purpose of Increased Borrowing (if applicable) Total amount of loan

£, £ £ £, £ £ £ . £ £

Repayment Period

Capital and Interest (Repayment)

£, £ £ £, £ £ £ . £ £

Is this beyond retirement?

Yes 

Interest only

£, £ £ £, £ £ £ . £ £ £, £ £ £, £ £ £ . £ £

If yes, how many years?

Applicant 1

Purchase Price

X



No 

X

 

 (please tick) 

Applicant 2

 

Repayment Strategy (if interest only) No new Interest Only borrowing permitted

Add to Loan Arrangement fee

X

Paid up-front (refer to section L)



X

Amount £, £ £ £, £ £ £ . £ £



Valuation fee cannot be added to loan. Only applicable to new Investment Mortgages

X

£, £ £ £, £ £ £ . £ £

£, £ £ £, £ £ £ . £ £

Total Fees

£, £ £ £, £ £ £ . £ £ Total amount of loan including additional fees If any of the above fees are added onto your loan, you should note the interest on these fees will be payable from the date they are added to your loan. To avoid paying interest on these fees you have the option of paying these in full when they arise.

Amount of deposit:

£, £ £ £, £ £ £ . £ £

Source of deposit: If the deposit is gifted please provide name and relationship to applicant



Note: Evidence of deposit is required.

Part 9: The property to be mortgaged Address

Please tick to indicate whether Title is:

Freehold

X

Leasehold

X

Other

X

Years unexpired on lease

County Postcode



Approx year of construction

X

Number of storeys

House

X

Detached



Flat-purpose built

Bungalow

X

X Terraced/linked X Semi-detached

X

X Flat-converted

Other (please specify)

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Number of bedrooms Value of Property

£, £ £ £, £ £ £ . £ £

Use of Property:

Please give the names of any occupants of the property other than the applicants over the age of 17.

Will the property be used solely as your main family residence?

Yes

X

No X (please tick) Name

If no, please give full details with your application. Letting: DOB Is any part of the property currently let or to be let in the future? Yes X No X (please tick) Relationship Age

Under the terms of the mortgage the lender’s consent is required to any letting. Immediate family tenant?

Yes

X

D D MM Y Y Y Y

No X (please tick)

Part 10: Building details Self Build/New Build (please delete as appropriate) Are stage payments required?

Yes

X

No

X

(please tick)

NIHE purchase?

Yes

X

No

X

(please tick)

How was the site acquired?

If yes, enclose a copy of the Right to Buy Agreement or confirmation of scheme eligibility Is the property over 10 years old? Yes

No

X

X

(please tick)

If the property is under 10 years old or in the course of construction, will it have the benefit of:

*If you completed II: Please give full details of the person who supervised construction or who will be doing so.

I. An NHBC Certificate

Name

X

II. Certificate from a registered architect or chartered building surveyor with suitable current professional Indemnity Insurance*



Address X



Approximate size of plot if more than one acre



County

Postcode



Qualifications

Selling Agents (name) Tel No. If no selling agent is involved please give contact details above of person for valuer to contact to gain access to the property. Unfinished properties:

Name

Please advise the name and address of the builder

Address

Estimated date of completion D D M M Y Y Y Y

County



Postcode

Are you a first time buyer?

Yes

X

No

X

(please tick)

If you are purchasing:

Re-mortgages:

Estimated value

£, £ £ £, £ £ £ . £ £

Date of Purchase

D D MM Y Y Y Y

Purchase price

£, £ £ £, £ £ £ . £ £

Original purchase price

£, £ £ £, £ £ £ . £ £

Completion date

D D MM Y Y Y Y

Original mortgage amount £ £ £ £ £ £ £ £ £ , , . (excluding improvements cost)

(excluding the value of any furnishing)







Estimated house value now £ , £ £ £ , £ £ £ . £ £

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Present mortgage balance £ , £ £ £ , £ £ £ . £ £

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Part 11: Solicitors details Address Please note: the services of a solicitor in current private practice are required in all cases for completion of our legal formalities. Name of Firm Solicitor acting

County

Postcode



Telephone No.

Part 12: Your Fees Payment – if adding fees to loan please leave blank Preferred method of payment (if opting to pay fees upfront) Credit/debit Card

X



Debit my Ulster Bank current account

X



Please note: American Express cannot be used.

1. If payment by credit/debit card: I authorise Ulster Bank to debit my credit/debit card account. Name on card Credit cards and debit cards cannot be accepted for any regular monthly payment Cardholder address

Card Type X



Visa



Card number



Card expiry date



Visa Debit

X



MasterCard

X

County Postcode Please note when we validate your credit/debit card the available balance in your current/credit card account will be reduced by £1, for a period of up to 28 days. This amount will not be deducted from your account as the £1 transaction is only being used to validate your card details.

Part 13: Building Insurance Do you require any information on the following Ulster Bank products? Life Assurance Cover

Yes

X

X (please tick) No

Buildings and Contents Cover

Yes

X

X (please tick) No

If you answered YES to any of these questions please fill in the appropriate proposal form, supplement or phone the Helpline number. If you require more information or a proposal form please ask at your local Ulster Bank branch. A building insurance policy is a condition of this mortgage, however, you are not required to obtain a policy through Ulster Bank Ltd.

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Additional Information This page is for additional information which the general mortgage application form does not cover. APPLICANT 1 APPLICANT 2 1. About You Present address other details Previous address other details 2. Previous address

Owner

X



Tenant

X



Owner

X



Tenant

X



Living with parents

X



Other

X



Living with parents

X



Other

X

Date moved in

D D M M Y Y Y Y D D MM Y Y Y Y

Previous address 3

Owner

X



Tenant

X



Owner

X



Tenant

X



Living with parents

X



Other

X



Living with parents

X



Other

X

Date moved in

D D M M Y Y Y Y D D MM Y Y Y Y

3. About your job Not continuously employed details 4. About your business Non-recurring items on your profit and loss account details Revaluation of assets carried out in the last two years' details 5. About your finances Arrears, defaulted on payments, or court proceedings' details 6. About your property 7. About your new house purchase 8. About your remortgage or transfer of title 9. Your repayment method Other repayment type details Product 1 Product 2 Product 3

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Additional Information/Scenario APPENDIX 1 Occupation Codes

Source of Income Codes

AS

Academic Staff

BAS

Basic Salary (S Emp)

AG

Agricultural Workers General

RIB

Rental Income BTL

FM

Farm Management – Ownership

INV

Incapacity Benefit

HF

Home/ Family Responsibilities

RIO

Rental Income OTH

MJ

Junior Management

ATA

Attendance Allowance

MS

Senior Management

IIB

Industrial Injuries Benefit

OC

Office & Clerical

BAE

Basic Salary (Emp)

OF

HM Forces (Officers)

HOA

Guaranteed Housing Allowance

OR

HM Forces (Other Ranks)

GSA

Guaranteed Shift Allowance

PM

Minor Professionals (Nurses, Driving Instructors etc)

WFT

Working Families Tax Credit

PR

Professional (Doctors, Accountants etc)

CAE

Court Approved Maintenance – E

RT

Retired

CAS

Court Approved Maintenance – S

SA

Sales

PEE

Pension (Emp)

SC

Schoolchild

PES

Pension (S Emp)

SE

Self Employed

RIE

Regular Investment (Emp)

SK

Skilled Manual

RIS

Regular Investment (S Emp)

SR

Service Jobs

DAE

Disability Allowance (Emp)

SS

Semi Skilled

DAS

Disability Allowance (S Emp)

ST

Full Time Student (Further Education)

BON

Guaranteed Bonus

SU

Supervisory (Foreman)

GOT

Guaranteed Overtime

TC

Teachers

ROB

Regular O/time/bonus

TH

Technicians

COE Commission

UM

Unskilled Manual

DVE

Dividend – E

UN

Unemployed

DVS

Dividend – S

OTE

Other Income (Emp)

OTS

Other Income (S Emp)

NIC No Income (note – to be used for Homemaker joint applicants)

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Additional Information/Scenario

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Additional Information/Scenario

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Declaration Reference to ‘Lender’ means Ulster Bank Limited. I/We declare and fully understand that: 1 The statements and particulars given in this application are correct and complete to the best of my/our knowledge and shall form the basis on which any Offer of Advance is made. 2 If any of the information herein changes prior to the making of the advance I/we will notify the Lender in writing and will not take up the advance unless the Lender has previously consented in writing to such change. 3 The Lender or its agents may apply for information to my/our Employer(s), present Lender(s), Landlord(s) and Bank(s) and to Credit Reference Agencies who are hereby authorised to provide this. Credit Reference Agencies will record enquiries made about you. 4 In the event of an advance being made I/we will authorise Ulster Bank to originate monthly Direct Debit payments for the term of advance. 5 In the event of the mortgage being completed, I/we hereby authorise the Lender to provide such information as may be sought by any potential subsequent Lender or its agent. 6 The Lender will obtain a Report for Mortgage Purposes on the property shown in Part 9. The Report, which will be in the form required by the Lender, will be obtained from a qualified valuer approved by the Lender and will be for the sole purposes of enabling the Lender to consider making a mortgage advance. The Report, of which I/we will receive a copy as a courtesy, will neither be a structural survey nor a purchase valuation, and the absence of reference to defects in the Report does not necessarily mean that the property is free from defects. To be satisfied as to the conditions or value of the property I/we must have a survey or valuation for my/our purpose. Otherwise, I/we proceed entirely at my/our own risk. Neither the Lender nor the Valuer gives me/us any warranties, representations or assurances that the statements or opinions expressed or implied in the Report are accurate or valid. No legal responsibility to me/us or any other person is implied or expressed by the Lender or the Valuer as to the contents of the Report, particularly as to the condition or valuation of the property. 7 If the Lender is satisfied with its enquiries and the contents of the Report on the property mentioned in Part 9, a formal Offer of Advance will be issued subject to the terms herein and the conditions in such Offer. Any Offer of Advance or making of advance by the Lender does not imply any warranty by the Lender or the Valuer as to the condition or valuation of the property. 8 The security for the Advance will be a first legal mortgage of the property shown in Part 9 together with:

(a) In the case of an advance repayable by endowment assurance or pension, it is the applicant’s responsibility to ensure that a suitable repayment vehicle is in place. The applicant(s) is/are responsible for confirming directly with the provider of the investment vehicle (e.g. insurance company), on an annual basis, that the investment is on target to repay the full amount of the mortgage at the end of the mortgage term.



(b) It is strongly recommended by the Bank that applicant(s) review life assurance requirements in line with proposed liabilities. Applicants are strongly recommended to arrange suitable life assurance to protect their mortgage in the event of death and serious illness.



(c) Applicants will be required to sign a life assurance declaration detailing their responsibilities with regard to suitable life assurances.

9 I/We are responsible for all costs and fees relating to the provision of the Report for Mortgage Purposes which I/we will pay to the Valuer before the property is inspected. 10 I/We are responsible for the Lender’s legal and other expenses arising out of this application, whether or not an Offer of Advance is made or the mortgage completed. These costs are payable direct to the Solicitor acting for the Lender. 11 (a) The buildings must be insured with a member of the Association of British Insurers or Lloyds Underwriters for the full reinstatement value. The policy must be in joint names with the Lender and provide cover against fire, explosion, subsidence, landslip and heave, malicious damage, flood and other risks of the kind usually insured under a private dwelling house insurance. The initial amount of cover will be advised in the Offer of Advance and must be linked to the House Rebuilding Cost Index of the Royal Institution of Chartered Surveyors or equivalent, adjusted at least annually.

(b) If I/we have elected to arrange my/our own building insurance cover, this must nevertheless be in joint names with the Lender and comply with the remaining requirements in paragraph (a) above. I/We will provide the Lender's Solicitors with the original policy to lodge with the Lender when requesting the Advance Cheque. The Lender will not issue the cheque if insurance is evidenced only by a cover note.



(c) Where the property is leasehold and the Lessors' approval to the building insurance is required, or such insurance is arranged by the Lessor, the Offer of Advance will be made subject to the approval of such arrangements by the Lender.

Securitisation The Bank, in common with Mortgage Lenders worldwide, may decide to securitise some of its mortgages. In order to release capital to fund its lending, including mortgage lending, mortgages may be transferred to investors, which includes major financial institutions worldwide. This process is called securitisation. If your application is approved your Solicitor will advise you on this before you commit yourself to the mortgage.

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p Credit reference agencies We may obtain information about you from credit reference agencies and Group records to check your credit status and identity. The agencies will record our enquiries which may be seen by other companies who make their own credit enquiries. We may use credit scoring. Your application will be assessed using credit reference agency records relating to anyone with whom you have a joint account or similar financial association. If this is a joint application and such a link does not already exist then one may be created now. These links will remain until you file a "notice of disassociation" at the credit reference agencies. p Fraud prevention agencies – If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. – We may also obtain information about you from fraud prevention agencies. p Keeping you informed We would like to keep you informed by letter, phone and electronic means (including e-mail and mobile messaging) about products, services and additional benefits that we believe may be of interest to you. If you don’t want us to do this, please place a cross in this box. X p Giving your consent By signing this application you are agreeing that we may use your information in the way described in this form (including the ‘Keeping you informed’ section) and in the associated Terms & Conditions. By signing the declaration below you are consenting to Ulster Bank Limited updating any existing details that we may hold on record for you. Fees Payment By signing this form you are agreeing that any fees you need to pay are detailed in our Mortgage Tariff of Charges leaflet and in the Key Facts Illustration, and that we will debit the amount from the preferred method of payment that you have specified in your mortgage application. You can choose to change this method at any time prior to payment.

Date D D M M Y

Principal applicant signature



Joint applicant signature

Date

D

D M M

Y

Y

Y

Y

Y

Y

Y

Please return the completed form to a convenient branch of Ulster Bank or to your account-holding branch if you are an Ulster Bank customer. If you are a new customer to Ulster Bank you must provide positive identification to prove who you are. We can accept any one of the following documents as proof of identity – current valid full passport, full driving licence bearing your photograph and signature. In addition we require separate verification of your permanent address before opening an account, e.g. utility bill, bank or building society statement (originals). If you are unable to provide any of the above, please speak to a member of staff. Ulster Bank Limited, Mortgage Centre, PO Box 1953, Cartsdyke Avenue, Cartsburn East, Greenock PA15 1ZA Telephone: Customer 0845 300 6086, Branch: 0845 300 6079, TPI: 0845 300 6078 Fax: Customer 0131 523 9559, Branch: 0131 523 9558, TPI: 0845 523 9560 Credit is available only to persons aged 18 or over and is subject to status and conditions. Security and insurance are required for mortgage loans. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Ulster Bank Limited Registered Number: R733 Northern Ireland. Registered Office: 11-16 Donegall Square East, Belfast BT1 5UB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (Registration Number 122315). Calls may be recorded.

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Please fill in the whole form using a ballpoint pen and send it to: Ulster Bank Mortgage Centre PO Box 1953 Cartsdyke Ave Cartsburn East Greenock PA15 1ZA

Instruction to your Bank or Building Society to pay by Direct Debit Originator’s Reference Number

9 5 0 4 7 9 Reference Number

Name(s) of Account Holder(s)

Payment Date

Bank/Building Society account number

Instruction to your Bank or Building Society

Branch Sort Code

Please pay Ulster Bank Limited, House Mortgages, Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with Ulster Bank Limited, House Mortgages, and, if so, details will be passed electronically to my Bank/Building Society.

Name and full postal address of your Bank or Building Society To: The Manager



Bank/Building Society

Postcode

Signature(s)

Date

Banks and Building Societies may not accept Direct Debit Instructions for some types of account This guarantee should be detached and retained by the Payer

The Direct Debit Guarantee • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit, Ulster Bank Ltd, House Mortgages will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Ulster Bank Ltd, House Mortgages to collect a payment, confirmation of the amount and date will be given to you at the time of the request. • If an error is made in the payment of your Direct Debit, by Ulster Bank Limited, House Mortgages or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. • If you receive a refund you are not entitled to, you must pay it back when Ulster Bank Ltd, House Mortgages asks you to. • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

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Terms and Conditions Your Information Who we are Your account is with Ulster Bank Limited. We are a member of the Royal Bank of Scotland Group (The Group). For information about our Group of companies please visit www.rbs.com and click on “About Us”, or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960. How we use your information and who we share it with Your information comprises all the details we hold about you and your transactions, and includes information obtained from third parties. We may use and share your information with other members of the Group to help us and them: – assess financial and insurance risks; – recover debt;

– prevent and detect crime;

– understand our customers’ requirements; – develop and test products and services.

We do not disclose your information to anyone outside the Group except: – where we have your permission; or

– where we are required or permitted to do so by law; or

– to credit reference and fraud prevention agencies and other companies that provide a service to us or you; or – where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change. If you would like a copy of the information we hold about you, please write to: Ulster Bank, FREEPOST, BEL 4084, Customer Relations, Belfast BT1 5BR. A fee may be payable. Credit reference agencies We may make periodic searches at credit reference agencies and will provide information to the Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who may make this information available to other organisations so that they can take decisions about you, your associates and members of your household. The information may also be used for tracing purposes. Fraud prevention agencies If false or inaccurate information is provided and fraud is identified or suspected, details may 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: – checking applications for, and managing credit or other facilities and recovering debt; – checking insurance proposals and claims;

– checking details of job applicants and employees. We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries. We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of your information held by them. Please contact your branch. The agencies may charge a fee.

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www.ulsterbank.co.uk

Ulster Bank Limited Registered Number: R733 Northern Ireland. Registered Office: 11-16 Donegall Square East, Belfast BT1 5UB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (Registration Number 122315). Calls may be recorded. ULS1396NI 20th October 2014

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