Full Application

If you are directly authorised, you must provide details of your mortgage club. If you are an appointed representative, you must provide details of your network.

*Introducer fee will be deducted from the finance amount and will be paid upon completion.

We require the applicant(s) to provide evidence of identity at the time of application. We will endeavour to carry out these checks electronically. However, if we are unable to do this, we will need physical proof of identification.

Photocopy documents must be certified with the words ‘True copy of the original’ and clearly show the certifying person’s full name, and the name of the organisation they represent (if any), together with a signature and date. Documents containing a photograph should also be certified with the words ‘True likeness’.

IF FOR ANY REASON WE REQUIRE FURTHER DOCUMENTATION, WE WILL LET YOU KNOW.

By submitting this application form to you, I:

• Confirm that I am acting on behalf of the applicant(s) and have their permission to access their information and to supply it to you with this application, and at any time during the life of the finance. I confirm that to the best of my knowledge and belief, the information contained in this application is true, accurate and complete.
• Confirm that should any of the information provided in this form change, I will inform you as soon as reasonably practicable.
• Confirm that I have read your ‘Anti money laundering guidelines’ (available at www.bridge.offa.co.uk) and:
  • Original, hard-copy identification documents have been seen by myself and I was able to verify that such documents were originals;
  • Any associated photographs bore a good likeness to the individual;
  • Copies of the identification documents have been retained on my file.

• Note that you may use information that you may already hold about the applicant(s) in assessing this application including details about other properties which are financed to you where they are the customer or guarantor. I am aware, have made the applicant(s) aware and they agree that as part of this application you may provide to me, on their behalf, details of those properties to confirm that the information you hold about those is complete and accurate.
• Confirm that, if I send this form to you by email or have requested that you provide me with information by email I have made the applicant(s) aware of this, that email is not a secure medium and the content may be intercepted before it reaches the intended recipient.
• Confirm that I understand that Offa Operations Ltd t/a Offa does not offer product advice or recommendations. Whilst Offa Operations Ltd t/a Offa may ask questions to narrow down the selection of products that we provide details on, the applicant will need to make his/her own choice about whether the product meets their needs.

I note that:

• The personal information you collect from me will be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify the identity of the applicant and any guarantor (applicant). If fraud is detected, I or the applicant(s) could be refused certain services, finance or employment. Further details of how my and their information will be used by you and these fraud prevention agencies, and my and their data protection rights, can be found by contacting the Data Protection Officer at Offa Operations Ltd t/a Offa.
• You will also supply the applicant’s personal information to credit reference agencies (CRAs) in order to process their application and they will give you information about the applicant(s), such as about their financial history. You do this to assess creditworthiness and product suitability, check their identity, manage their account, trace and recover debts and prevent criminal activity.
• You will also continue to exchange information about the applicant(s) with CRAs on an ongoing basis, including about their settled accounts and any debts not fully repaid on time. CRAs will share their information with other organisations. Their data will also be linked to the data of their spouse, any joint applicants or other financial associates.
• The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at equifax.co.uk/crain, www.experian.co.uk/crain or www.callcredit.co.uk/crain.
• The details entered must be accurate and true to the best of my knowledge. If you suspect my or the applicant’s involvement in fraudulent activity you will take appropriate action against me and/or the applicant(s).

• I note that how you, credit reference and fraud prevention agencies use customer information is set out in more detail in your Privacy Notice. You are providing this to me as the applicant(s) representative and, in order to allow you to lawfully progress their application, you require confirmation that I, as the applicant(s) representative, have provided a copy of the Privacy Notice to each of the applicants ahead of any processing of their application.
• Accordingly, I confirm that I have provided each applicant with a copy of the Privacy Notice.

I Note that:

• More information about how you and fraud prevention agencies use information you hold about finance intermediaries is contained in your Privacy Notice.
• You may contact me about products and services offered by Offa by post, electronic mail, telephone and any other online or interactive media. If I do not wish to receive these then I can send an email to [email protected] with the subject line of ‘Unsubscribe’ from the above email address or, in relation to electronic mail, click the ‘unsubscribe’ link in any communication that we send to you.

If less than 3 years, please provide details in ‘Additional Information’ section

If less than 3 years, please provide details in ‘Additional information’ section

If less than 3 years, please provide details in ‘Additional information’ section

If less than 3 years. please provide details in ‘Additional information’ section

It is important that you complete all relevant sections for each applicant to provide full details of their income (e.g. where one applicant is both employed and self-employed, each individual section must be completed).

We require a minimum of 12 months employment history (employed), or 36 months (self-employed).

Please provide details of previous employment in the ‘Additional information’ section at the end of this form.

If less than 12 months, please provide further details in ‘Additional information’ section

If less than 12 months, please provide further details in ‘Additional information’ section

If less than 12 months, please provide further details in ‘Additional information’ section

If less than 12 months, please provide further details in ‘Additional information’ section

Self-employed or company directors with more than 25% shareholding

If no, please complete a ‘Schedule of Works’ form

Please confirm the details of the conveyancer that your customer has chosen to represent them

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money- laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment.

We will also supply your personal information to credit reference agencies (CRAs) in order to process your application and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.

The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at www.equifax.co.uk/crain, www.experian.co.uk/crain or www.callcredit.co.uk/crain.

Our Privacy Notice contains information on how we, credit reference agencies and fraud prevention agencies process your personal data and on your data protection rights. This has been provided to your finance/ credit intermediary on your behalf, they should have provided this to you but if they have not please contact us and we will send you a copy. Our Privacy Notice is also available here. If you are making an application which requires you to provide personal data about someone else (such as your spouse/dependent), in providing us with their personal data we ask that you confirm to us that you have consent from that individual to disclose to us their personal data as part of the application process.

In this Standard Declaration the words “You”, “Offa Operations Ltd”, “Offa” and “We” have the meanings given to them in the Privacy Notice. The meaning of ‘You’ includes any directors or shareholders of an applicant which is a Limited company and any guarantors.

In addition, the words in bold text have the following meanings:

“Applicant” means You and if there is more than one of You, references to “You” and “Applicant” are to each or any of You individually, as well as to each and every one or more of You together jointly.

“Application” means Your request for a Decision in Principle and/or Application for the Finance including the Standard Declaration, the Application Form and any accompanying or supporting documentation that You provide now or in the future or any information We hold about You and We provide to You or Your finance intermediary in connection with the Application to confirm its completeness and/or accuracy.

“Decision for Heads of Terms” means an indication provided by us of the amount that we may be willing to lend to an Applicant, based on information provided to us. A Decision for Heads of Terms” is not binding, and we may amend or withdraw such a decision at any time, including after an Applicant has indicated that they may wish to accept based on the terms stated in Decision for Heads of Terms.

“Finance” means any Finance We may provide to You.

“Property” means the property or properties which are or are intended to be security for the Finance.

When You sign this declaration, you certify that the statements and particulars given below and all the information given in your Application are true and complete. We will rely on these statements, particulars and that information when making any Finance Offer.

You confirm and agree that:

• You are aged 18 or over.
• For limited companies:
  • each of the signatories below who is a director is duly authorised to make this Application on the limited company’s behalf and has completed or fully read the contents of the Application, and
  • You have the power to finance the money applied for and to finance the Property.
• The information You give in the Application, whether completed personally by You or not, is true and accurate in all respects. If any such information is incorrect, You will make good any loss We may suffer by acting in reliance on that information.
• Your income is as stated in the Application and is sufficient to support the payments if required to sustain the finance requested.
• You are aware of the monthly payments for the Finance and that You can afford these.
• You will supply any additional information that We may require in order to proceed with the Application.
• You have the agreement of any joint Applicant or third party to disclose and use their information or the purposes of this Application.
• You do not have any other outstanding credit facilities which are not disclosed with this Application.
• You have never been adjudged bankrupt or insolvent or been sequestrated or entered into any arrangements with creditors or had civil or criminal proceedings of any kind issued against You other than as specified in this Application. If proceedings have been, or are being, issued, You will supply full details to Us.
• You have read and considered the Illustration about the particular product You have chosen, and/or have been advised to apply for by your finance/credit intermediary or other adviser. We are not responsible for any advice given or recommendation made by an intermediary or other adviser about the product You have chosen.
• You will notify Us promptly of any changes which have, or are likely to have, an effect on the continuing accuracy of the particulars in this Application and which may affect Our willingness to provide the Finance.
• The information in this Application and Standard Declaration may be relied on by Us and any other person or body in whom the benefit of all or any of the Finance, or security is from time to time vested.
• Any solicitor acting for You may disclose to Us any information or documentation that We ask for about the transaction or the Property which is the subject of this Application and You waive any duty of confidentiality or privilege which may otherwise exist in relation to this Finance transaction.
• From time to time We may finance, sell, transfer, assign, charge or otherwise dispose of, in whole or in part, any Finance, or other related security to any person or organisation (a “Disposal”) You agree to each such Disposal that We may make and You agree that We may do this without giving notice to You. You agree that a Disposal for this purpose typically involves Us transferring all or some of the rights that We have under the Finance, or the related security to another person or organisation.
• If You provide a personal guarantee, You agree to guarantee the Finance applied for in the terms of our standard Deed of Guarantee.
• We are entitled to withdraw before completion any Finance Offer should You (or anyone else) falsify any information supplied in this Application or for any other reason set out in the Finance Offer or our General Finance Conditions. If We withdraw an offer, We can do this immediately and without telling You, but We will notify You about the withdrawal of Our Finance Offer if We reasonably can.
• It is an offence to knowingly make a false, inaccurate, or misleading declaration when applying for a Finance.
• If You make a false declaration, You may face criminal prosecution and/or civil action for recovery of any losses incurred by us.
• If the Finance is not for your benefit, You must take independent legal advice and will do so if asked to, and before You enter into any Deed of Guarantee.
• We may decline to make You a Finance Offer.
• Our Finances are subject to valuation and status.
• If two or more of You are making this Application, each of You is individually and jointly responsible for all obligations in relation to the Finance.
• We will require You to confirm and verify your income and We may request this information from You.
• We accept no responsibility for any representations made by any employee, agent, or any other person unless these are incorporated in the Finance Offer or are subsequently confirmed by Us in writing.
• If You agree to guarantee the Finance, You are aware that by giving a guarantee, You will be held liable to Us instead of, or as well as, the applicant or customer to the extent of the guaranteed amount. The extent of the guarantee will include all costs and profit outstanding on the Finance at any time as well as the finance amount.
• You agree that if the Property is sold leaving a balance outstanding on the Finance, You will be liable for the difference between the sale price of the Property and the amount outstanding or to the extent of your guarantee.
• It is your responsibility to ensure that You have suitable means of repayment in place to repay the Finance in the event of Your death or at the end of the term of the Finance.

We will obtain a valuation of the Property offered as security for our purposes. We will obtain a valuation only to enable Us to assess the amount of the Finance, if any, which We are prepared to make on the Property and that valuation does not give You any rights against Us or any other person. We will choose a valuer from Our panel of valuers and will obtain a valuation report from the valuer for Our purposes. It is Your responsibility to obtain an independent valuation or advice before You proceed to completion of the Finance or the purchase of the Property. We give no warranty, representation, or assurance that the statements, conclusions, and opinions, expressed or implied, in any valuation report You obtain are accurate, valid or complete, or that the Property is free from defects or worth at least the amount of the Finance or that (where relevant) the purchase price is reasonable.

Any valuation and assessment fee payable by You covers Our costs for assessing the Application and value of the Property. If We accept this fee, We are not obliged to offer or make a Finance to You.

As a condition of your Finance, You must have adequate buildings insurance for the Property in place at exchange of contracts or conclusion of missives (for house purchases) and completion (for refinances or secured finances) and ensure that it continues at all times to be insured.

You are not required as a condition of your Finance to have any other insurance, but You might like to consider taking out insurance to cover other circumstances that might arise, such as death, accident, illness or unemployment. Your payments will not be protected in the event of death, accident, sickness, unemployment or other similar circumstance unless You arrange Your own insurance for this, and you will still be required to make any repayments due under the terms of the Finance.

By signing this Declaration, You agree that:

• You will repay the Finance in accordance with the conditions specified in your Finance Offer and General Finance Conditions.

We may contact you about products or services offered by Offa Operations Ltd t/a Offa by post, electronic mail, telephone, SMS text messaging and any other online or interactive media.

If You would not like Us to contact You about other products and services by the means outlined above You should tick here.

Any other fees that You pay to any third party are paid not as a condition of submitting this Application or as a condition of obtaining the Finance Offer (if made).