CONTENTS
PART
I: BOTH LENDERS AND
MORTGAGE INTERMEDIARIES
1. KEY COMMITMENTS
2. MARKETING OF MORTGAGES
2.1
Marketing loans to minors
2.2
Advertising
3. HELPING YOU TO CHOOSE
A MORTGAGE
3.1
Levels of service Confirmation
of service
3.2
Alternative repayment
methods
Interest only mortgages
Early repayment
Interest rate alternatives
Future repayments
Insurance
Charges payable
Transfer of terms
Information to credit
reference agencies
High percentage loans
Information to credit
reference agencies
PART 2: LENDERS ONLY
4. LENDING
4.1
Financial assessment
of the loan
4.2
Guarantees
5 TERMS AND CONDITIONS
5.1
Plain language
5.2
Changes to terms and
conditions
5.3
Interest rates
5.4
Interest rate changes
6 CHARGES
6.1
Tariff
6.2
Other charges
6.3
Tariff changes
7. CONFIDENTIALITY
7.1
Duty of privacy
7.2
Information to credit
reference agencies
7.3
Information on possession
cases
7.4
Consent for other disclosures
7.5
Data protection access
7.6
Marketing restrictions
7.7
No marketing reminder
7.8
Your consent to marketing
7.9
Responding to other
marketing
8. FINANCIAL DIFFICULTIES
8.1
Considering cases
8.2
How we can help
8.3
General principles
8.4
Co-operating with recognised
debt advice organisations
9. COMPLAINTS
9.1
Internal complaints
procedure
9.2
Making complaints
9.3
Ombudsmen and arbitration
10. MONITORING COMPLIANCE
10.1
Complying with the law
and other codes
10.2
Compliance officer and
internal audit
10.3
Compliance by mortgage
intermediaries
10.4
Mortgage Code Compliance
Board
10.5
Statement of compliance
PART
3: MORTGAGE INTERMEDIARIES
ONLY DISCLOSURE OF STATUS
11.1
Appointed agent status
11.2
Access to the market
12. FEES AND CHARGES
12.1
Disclosure of fees Other
services
13. TERMS AND CONDITIONS
14.CONFIDENTIALITY
14.1
Duty of privacy
14.2
Data protection access
15. COMPLAINTS
15.1
Internal complaints
procedure
15.2
Making complaints
15.3
Arbitration
16. MONITORING AND COMPLIANCE
16.1
Compliance officer and
internal audit
16.2
Mortgage Code Compliance
Board
PART
4
HELP SECTION
USEFUL DEFINITIONS
INTERMEDIARIES
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