Hard Money Lending Contracts have become increasingly prevalent in the UK property market as an alternative to traditional financing. This contract type is particularly useful for time-sensitive property transactions, renovation projects, or situations where conventional lending criteria cannot be met. The Hard Money Lending Contract, governed by English and Welsh law, includes comprehensive provisions for loan terms, security arrangements, interest calculations, and default scenarios. It's designed to protect both lender and borrower while ensuring compliance with UK financial regulations, including the Consumer Credit Act 1974 and Financial Services and Markets Act 2000.
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1. 1. Parties: Identification of lender and borrower with full legal details
2. 2. Background: Context of the loan and purpose
3. 3. Definitions: Key terms used throughout the agreement
4. 4. Loan Amount and Purpose: Specification of loan amount and permitted use
5. 5. Interest Rate and Calculations: Interest rate terms, calculation method, and payment schedule
6. 6. Security: Details of assets securing the loan
7. 7. Repayment Terms: Payment schedule, methods, and early repayment provisions
8. 8. Default Provisions: Consequences of default and remedies
9. 9. Representations and Warranties: Statements of fact by borrower
1. Additional Security Provisions: Detailed security arrangements when multiple assets are used as security
2. Insurance Requirements: Required insurance coverage for secured assets when securing against physical assets
3. Guarantor Provisions: Terms relating to guarantors when loan includes third-party guarantees
4. Special Conditions: Additional terms specific to the loan when unique circumstances apply
1. Schedule 1 - Property Details: Details of property/assets used as security
2. Schedule 2 - Payment Schedule: Detailed repayment schedule with dates and amounts
3. Schedule 3 - Conditions Precedent: List of conditions to be met before loan disbursement
4. Appendix A - Form of Security Document: Template security documentation
5. Appendix B - Notice Requirements: Forms and procedures for various notices
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