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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

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