The Borrower Authorisation Form Mortgage is a crucial document in the mortgage application process under English and Welsh law. It is required when individuals apply for mortgage products, enabling lenders to perform necessary due diligence, credit checks, and information verification. The form ensures compliance with financial regulations, data protection requirements, and anti-money laundering rules while protecting both lender and borrower interests. It typically includes permissions for credit searches, data processing, and third-party information sharing.
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1. Borrower Details: Full legal name, address, and contact information of the borrower
2. Property Details: Information about the property being mortgaged including address and title number if known
3. Authorization Scope: Specific permissions being granted by the borrower to the lender and other relevant parties
4. Data Protection Declaration: GDPR compliance statement and explicit consent for data processing activities
5. Credit Check Authorization: Express permission to conduct credit checks and share information with credit reference agencies
6. Declaration: Final statement confirming the truth of information provided and understanding of the authorization given
1. Marketing Preferences: Optional consent section for receiving marketing communications from the lender and/or related parties
2. Third Party Authorization: Optional section authorizing other individuals to act on the borrower's behalf in relation to the mortgage application
3. Electronic Communications Consent: Optional section for consent to receive documents and communications electronically
1. Schedule 1 - Identity Verification Requirements: List of acceptable identification documents and verification requirements
2. Schedule 2 - Privacy Notice: Detailed information about how personal data will be collected, processed, stored and shared
3. Schedule 3 - Terms and Conditions: Standard terms and conditions relating to the authorization and use of information
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