For mo rtgage products that suit your needs...For mo rtgage products that suit your needs newcastle.co.uk If a decision in principle has been ... The owner A tenant Living with family/friends

Mortgages

MortgageApplicationForm

For mortgage productsthat suit your needs

newcastle.co.uk

If a decision in principle has beenprovided for this application pleasequote the details below:

Enquiry Number

Date Provided

Date of Exchange or Date of Entry(Scotland)

Existing Newcastle Building SocietyAccount Number

2

In order for us to process your mortgage as quickly as possible, we need you to send us a number of documents with your application. Please refer tothe sections below for requirements. Please refer to the tick columns below to ensure that you have enclosed the appropriate documents with yourapplication. Failure to enclose the required information with your application will result in delays in your offer of advance being issued.

ALL items in the first section must be supplied with your application. Please send photocopies of documents in all instances.

We are unable to start processing until these items have been received. If not received within 10 working days we will cancel your applicationand product booking and therefore cannot guarantee its availability.

What to send with your mortgage application

On receipt of your completed application or subsequent documents, we may require further information, we will notify you of this if required.

Please note, where a Guarantor is required (portability of an existing NBS mortgage only), completion of a supplementary application formwill be required by your Guarantor. For full details please contact us on 0345 606 4488.

Application Form - signed and FULLY completed by ALL applicants.

Direct Debit Instruction - signed and FULLY completed. (Please ensure you have indicated the date you would like the Direct Debit to be collected).

Proof of Pension Provision (Only required where applicants are within 10years of expected retirement)

Proof of Pension Provision (Only required where applicants are within 10years of expected retirement)

Applicants with existing buy-to-let properties: (for ALL BTL properties)

Current tenancy agreement showing rent due

Proof of most recent rental payment(last month’s bank statement or confirmation from letting agent)

(NB: where proof of 12 months mortgage payments is not sighted oncredit report, this may be requested)

Applicants with existing buy-to-let properties: (for ALL BTL properties)

Current tenancy agreement showing rent due

Proof of most recent rental payment(last month’s bank statement or confirmation from letting agent)

(NB: where proof of 12 months mortgage payments is not sighted oncredit report, this may be requested)

Applicants with current mortgage:

Proof of 12 months Mortgage Payments(mortgage statement, bank statements etc)

(NB: Only required if data is not available via a credit check).

Applicants with current mortgage:

Proof of 12 months Mortgage Payments(mortgage statement, bank statements etc)

(NB: Only required if data is not available via a credit check).

Enclosed

Enclosed Applicant One Applicant TwoEnclosed

YOU MAY ALSO NEED TO SEND US THE FOLLOWING WITH YOUR APPLICATION. YOUR MORTGAGE ADVISER WILL ADVISE YOU IF THESE ARE REQUIRED.

SECT

ION

1SE

CTIO

N 2

Please confirm the amount of fees that you wish to add to the mortgage as detailed on the illustration that your adviser has provided to you.Please note however, any fees added to the loan will accrue interest. The impact of including these fees should be considered by all applicants.

Fee Type .................................................... Amount £ ......................................(i.e. Completion Fee)

Fee Type .................................................... Amount £ ......................................

Please note that any fees that remain unpaid must be paid prior to completion and failure to make the payment will delay the completion date.

Cheque:- (Please enclose a cheque for any valuation, administration or reservation fees relative to this application)Please make cheques payable to Newcastle Building Society Re: Your Name(s), Account/Application Number (if known)e.g. Newcastle Building Society, Re: Mr A Smith, 1234567. In addition, please remember to draw a line through any unused space on the cheque.

Card Payments:- (Please contact us on 0345 606 4488) Amount £ ............................................................

Proof of Current Residential Address (Utility bill, bank statement etc) Proof of Current Residential Address (Utility bill, bank statement etc)

Proof of Identification (Passport, driving licence etc) Proof of Identification (Passport, driving licence etc)

Additional Income: Last P60 or 3 payslips showing bonus or commission (Bonus/Commssion)

Employed Applicant: Up to and Including 95% LTV

Paid Monthly = last 3 month’s payslipsPaid weekly = last 12 weekly payslips

Self Employed Applicants: Up to and including 80% LTV

Last 2 years certified/audited business accounts ORLast 2 years HMRC Tax Assessments (SA302’s) & Corresponding Tax YearOverview Forms

Self Employed Applicants: Over 80% LTV

Last 2 years certified/audited business accounts ANDLast 2 years HMRC Tax Assessments (SA302’s) & Corresponding Tax YearOverview Forms

Additional Income: Last P60 or 3 payslips showing bonus or commission (Bonus/Commssion)

Employed Applicant: Up to and Including 95% LTV

Paid Monthly = last 3 month’s payslipsPaid weekly = last 12 weekly payslips

Self Employed Applicants: Up to and including 80% LTV

Last 2 years certified/audited business accounts ORLast 2 years HMRC Tax Assessments (SA302’s) & Corresponding Tax YearOverview Forms

Self Employed Applicants: Over 80% LTV

Last 2 years certified/audited business accounts ANDLast 2 years HMRC Tax Assessments (SA302’s) & Corresponding Tax YearOverview Forms

One of which must match the entry in the bank statement provided.One of which must match the entry in the bank statement provided.

3

A. YOUR PERSONAL DETAILS

First Applicant

Mr Mrs Miss Ms Other

Month Year

Yes No

Yes No

Male Female

Single Married Civil Partnership

Divorced Widowed Separated

Number Ages

Number Ages

Postcode

Month Year

The owner A tenant

Living with family/friends

Postcode

From: Month Year

To: Month Year

The owner A tenant


Joint Applicant

Mr Mrs Miss Ms Other

Month Year

Yes No

Yes No

Male Female

Single Married Civil Partnership

Divorced Widowed Separated

Number Ages

Number Ages

Postcode

Month Year

The owner A tenant


Postcode

From: Month Year

To: Month Year

The owner A tenant


Title:

First name(s):

Surname:

Date of birth:

Previous/Maiden name:(only required if in the last 6 years)

Date changed:

Nationality:

Are you currently a UKresident?

If you are a non EEA citizendo you have permanentleave to reside in the UK?

Sex:

Marital status:

Dependant Children:

Dependant Adults:

Present address:

Date you moved into thisproperty:(If less than three years please provideprevious address details below.)

Occupancy Status:

Daytime Telephone No:

Home Telephone No:

Mobile Telephone No:(Please supply us with your mobiletelephone number in order that ourvaluer can update you by text on theprogress of your property valuation.)

E-mail address:

Previous address:

Period of occupation:

Previous Occupancy Status:

GuidanceNote:For furtherpreviousaddresses,please go tosection R.

4

A. YOUR PERSONAL DETAILS - (cont.)

Are you a first time buyer?

Do you currently have amortgage?

If ‘No’, have you had amortgage in the last12 months?

Name and address of currentlender/landlord:

Mortgage account number:

Postcode

Yes No

Will consent to let be obtainedfrom your current lender

Will re-mortgage to a BTL

Will remain my main residence

Will retain as a second property

£

£

£

Balance outstanding:

Account holders:

Date started:

Monthly repayment/rent:

Are you selling the presentproperty?

If ‘Yes’, please completesection below:

Selling price of the property:

If ‘No’, please confirmreason:

First Applicant

Yes No

Yes No

Yes No

Previous lender/landlord within the last 12 months

Previous lender/landlord

Name of previouslender/landlord:

Address of previouslender/landlord:

Account number ofmortgage:

Date started:

Monthly payment:

Date repaid:

Selling price/current valueof the property:

First Applicant

Postcode

Month Year

£

Month Year

£

Joint Applicant

Postcode

Month Year

£

Month Year

£

Postcode

Yes No

Will consent to let be obtainedfrom your current lender

Will re-mortgage to a BTL

Will remain my main residence

Will retain as a second property

£

£

£

Joint Applicant

Yes No

Yes No

Yes No

5

B. YOUR INCOME - (EMPLOYED)

Employment status:

If contract worker,please state:

Post held:

Company name:

Company address:

Payroll/Employee number:

Company Telephone no:

Company Fax no:

Employed there since:

Are you under anyprobationary period?

If ‘Yes’ When does yourprobation period end?

Are you under notice oftermination or redundancy?

Tax Office/Tax Reference

Gross Basic Income

Frequency

Gross Overtime

Frequency

Commission

Frequency

Bonus

Frequency

Are you employed by arelative?

Relationship:

Accountants name:(Only required if employed by a relative)

Accountants address:(Only required if employed by a relative)

First Applicant

Permanent Temporary / Agency

Contract

Contract start date

Length of contract remaining

Postcode

Month Year

Yes No

Month Year

Yes No

(If yes, please provide details below)

Office Ref

£

Annually Monthly 4 Weekly Weekly

£


£


£


Yes No


Postcode

Joint Applicant

Permanent Temporary / Agency

Contract

Contract start date

Length of contract remaining

Postcode

Month Year

Yes No

Month Year

Yes No


Office Ref

£


£


£


£


Yes No


Postcode

This information will be used to apply for a reference if required.

GuidanceNote:If selfemployed,please turnoverleaf.

GuidanceNote:If less thantwo years,pleasesupplypreviousemployersdetails inSection R.

GuidanceNote:If youhave anyadditionalincome notlisted here,please go tosection D.

6

C. YOUR INCOME - (SELF EMPLOYED)

D. OTHER INCOME



Yes No



Yes No

First Applicant Joint ApplicantDetails of any other income

Source:

Amount:

Frequency

Source:Amount:Frequency

If maintenance please advise if this is received by court order:

£

£

Trading style:

Trading Name:

Company Address:

Business trading since:

Nature of business:

Percentage owned:

Time you have been incontrol of business:

Company Telephone no:

Company Fax no:

Share of Net Profit (£)(last three years):

Personal profit this year (Est.):

Directors AnnualRemuneration:

Annual Dividends(Net of Income Tax paid):

VAT Number:

Company registration:(Only applicable for limited company).

Tax office and reference:

Accountants name:

Accountants address:

Qualification:

For the purpose of this application you will be treated as self employed if your shareholding is 15% or greater.

First Applicant

Limited Company Partnership

Sub-Contractor Sole Trader LLP

Postcode

Month Year

%

Months Years

£ Year

£ Year

£ Year

£

£

Office Ref

Postcode

FCA ACCA AAT AAPA

Other

Joint Applicant

Limited Company Partnership

Sub-Contractor Sole Trader LLP

Postcode

Month Year

%

Months Years

£ Year

£ Year

£ Year

£

£

Office Ref

Postcode

FCA ACCA AAT AAPA

Other

GuidanceNote:If you haveanyadditionalincome notlisted here,please go tosection D.

GuidanceNote:If selfemployedfor less thantwo years,pleaseprovidepreviousemployersdetails inSection R.

7

E. YOUR FINANCIAL COMMITMENTSDetails of all secured and unsecured credit such as mortgages, loans, hire purchase, credit cards etc.

App 1(please

tick)

App 2(please

tick)

Lender/Recipient BalanceO/S(£)

MonthlyPayment

(£)

Repaid within thenext 6 months

(Y/N)

Arrears(Y/N)

Paid off at compof mortgage

(Y/N)

Repaying with moneyfrom this mortgage

(Y/N)

Type(loan HP

etc)

GuidanceNote: If youhave anyarrears,please go tosection G.

G. MAINTENANCE PAYMENTS

F. Additional Properties held by ApplicantsWhere the applicant(s) have one or more investment properties, please provide the following information.

Maintenance Payments (if applicable)

Please advise if this is paid by Court Order Yes No

Payee Date of Final Payment Monthly Payment

£

£

I. ARREARS - Details of any secured or unsecured arrears within the last three years.

Please give a brief explanation below for your loan arrears:

App 1(please

tick)

App 2(please

tick)

Lender/Recipient Value ofArrears

(£)

Date ofArrears

DD/MM/YY

Did the arrearsresult in credit

default?(Y/N)

Are the arrearsnow cleared?

(Y/N)

Date clearedDD/MM/YY

Value of Loan(loan HP etc)

GuidanceNote: If noarrears,please go tosection H.

H. FUTURE CHANGES TO INCOME/EXPENDITURE

Any forseeable change to either your income/expenditure could affect the decision we make on how much we will lend.For example, this may include reduction in working hours or increase in childcare costs etc.If you expect any change to your income and expenditure in the forseeable future, please tick box here

Please provide details below:

If you have more than three investment properties, please supply this information in the format above on a separate sheet and send with thisdeclaration document.

If you have more than three, please supply this information in the format above on a separate sheet and send with this declaration document.

Lender AddressBalanceOutstanding (£)

Current MortgagePayment

Current RentalReceived (£)

EstimatedValue (£)

8

J. BANKRUPTCY / IVAs / CCJs

K. DETAILS OF PREVIOUS CONVICTIONS AND PENDING PROSECUTION

Do you have a prosecution pending, or have you ever been Yes Noconvicted of an offence, which is not regarded as a ‘spent’ convictionunder the Rehabilitation of Offenders Act 1974, other than a driving offence?

(If Yes, please provide details below. You do not need to provide details of a ‘spent’ conviction.)

Yes No

Previous Convictions Pending Prosecutions

Have you ever been bankrupt, had a county court judgement Yes Nofor debt registered against you or been subject to an IVA?(If yes, please complete section below).

Bankruptcy IVAs CCJs

Lender/Company:

Amount:

Date registered:

Date discharged:

First Applicant

£

Month Year

Month Year

Joint Applicant

£

Month Year

Month Year

Please give a brief explanation as to how the above occurred:


Yes No


Lender/Company:

Amount:

Date registered:

Date discharged:


£

Month Year

Month Year

£

Month Year

Month Year

Please give a brief explanation as to how the above occurred:

GuidanceNote:Pleasecompletethis section

GuidanceNote:Pleasecompletethis section

L. PERSONAL MONTHLY OUTGOINGS

This section must be completed in all instances (where purchasing a new home, figures should be based on the new property).

Type: Amount per month

Council Tax £ ––––––––––––––––––––––––Utility bills (Gas / Water / Electric) £ ––––––––––––––––––––––––Insurances (Buildings & Contents / Car / MPPI / Life Cover etc) £ ––––––––––––––––––––––––Lifestyle Expenditure (Food / Clothing / Socialising / Memberships) £ ––––––––––––––––––––––––Endowments / Term Assurance / Fixed Investment Plans £ ––––––––––––––––––––––––Pension Contribution (Other than those deducted from salary) £ ––––––––––––––––––––––––Rent (If working away from main residence) £ ––––––––––––––––––––––––Travel Expenses inc. Fuel £ ––––––––––––––––––––––––Education and Childcare £ ––––––––––––––––––––––––Service Charges / Ground Rent £ ––––––––––––––––––––––––Other £ ––––––––––––––––––––––––

TOTAL £ ––––––––––––––––––––––––

(If a joint application, please combine totals.)

9

M. YOUR MORTGAGE NEEDS

Mortgage product selected:

Purchase price/Approximate value of property: Total loan required:

Of the loan required, please confirm the amount being used to pay associated costs/fees:

Term of loan: Years (maximum 35 years)

Maximum age at the end of the mortgage term is restricted to 75.

What is your expected age at retirement: years (Applicant 1) years (Applicant 2)

If your mortgage term takes you beyond your expected retirement age, please confirm how you intend to continue to make yourmortgage repayments? (Proof of pension will be required if you are within 10 years of expected retirement age).

Date completion is scheduled:

Repayment method required: Repayment Interest Only*

Part/Part* (please state each amount). Interest Repayment

*Please note: Interest only borrowing is only available to existing customers who are porting an existing loan to their newproperty. Any new lending is available on a repayment basis only. If your existing loan is Interest Only you are responsible forensuring that you will be able to pay off the capital borrowed at the end of the mortgage term. This means that you are responsiblefor making suitable arrangements for repaying the loan. (Suitable options include ISAs, Pension, Endowment, PEP etc.) Pleasenote, arrangement by Estate (Death) and Sale of your property are not acceptable.

Please confirm how you intend to repay the capital and specify the type and value of any investments below:

Type: Value: £ Maturity Date:




1. House purchase

Please confirm the source of your deposit:

Own Savings

Non Refundable Gift

Sale/Raise Equity (Current Property)

Sale/Raise Equity (Another Property)

Family Discount

Incentive Scheme Discount

Right-to-Buy Discount

Please note that the Society reserves the right to requestproof of your deposit

3. Remortgage

Please indicate how your loan amount is split.

Repay an existing loan for housepurchase

Repay an existing loan for homeimprovements

Additional amount for homeimprovements

Repay an existing loan not used forhouse purchases/home improvements

Please state purpose

Please state year of purchase

Original purchase price

Existing Mortgage Amount

Do you wish to port your existing scheme? Yes No (please note that this only applies to your current mortgage balance)

Do you require any additional borrowing? Yes No

Amount of additional borrowing:

Mortgage Product required on additional borrowing:

£

£

2. Existing Customer (NBS homemover) - only to be completed by existing customers moving house.

Please complete ONE of the following loan purpose options

£

£

£

£

£

£ £

£

£

£

£

£

£

£

£

10

N. PROPERTY TO BE MORTGAGED

Address of the property for which the loan is required:

Postcode

Vendor’s name: Vendor’s Telephone No:

Agent’s name: Agent’s Telephone No:

Type of property: House Bungalow Flat Studio Flat Other*

If a ‘Flat’, please confirm: If the block has a flat roof Yes No How many flats are in the block?

The number of floors in the block

(It is important that you notify us of the number of floors in the block as certain restrictions apply on flats.)

Is the property: Detached Semi Detached Terraced Other*

Number of: Living rooms Bedrooms Kitchens Attics

Bathrooms/WC Garages Basement Total acreage

Other*

Type of construction: Walls (e.g. brick clad, timber, stone)

Roof (e.g. slate, tile)

Is there on site/off site parking? On site Off site

Is the property over or adjacent to commercial premises? Yes No

Is the property located in an area prone to flooding? Yes No Dont know

Is there any evidence of subsidence, landslip or heave in the property or immediate vicinity? Yes No Dont know

Are you aware of the existence of any invasive plants i.e. Japanese Knotweed within the immediate curtilage of the property?

Yes No Dont know

Is the property subject to any Green Deal improvements where a charge is registered on household energy bill?

Yes No Dont know

If YES, please provide details:

Tenure: Freehold Leasehold Absolute ownership (Scotland) Other

If ‘Leasehold’, what is the unexpired term of the lease? Years

(Please note there must be at least 85 years left on the lease at the start of the mortgage).

Ground rent / feu duty £ Maintenance charge £

Year Built: Years

Is this property: Ex local authority? Yes No Right to buy? Yes No

Is this property covered by a: NHBC Certificate or Zurich Municipal Guarantee? Yes No Architects Certificate? Yes No (applicable only if the property is less than 10 years old)

Any other guarantee? Yes No

If 'Yes', please specify:

Will the property be occupied by you or by your dependants immediately after purchase? Yes No

Will the property be used by you or by your dependants wholly for residential purposes? Yes No

If you have answered 'No' to either of the above questions please give details below. If there is to be any business and/or commercialuse of the property please indicate which floors and/or sites are involved.

Please provide the following details of any persons, other than the applicants, aged 17 or over who will be resident at the property.If none, please state none.

Title Date of Birth RelationshipFull Name

11

O. YOUR PROPERTY VALUATION

I/We require: Standard Valuation RICS House/Flat Buyers Report Structural Survey Transcript (for Scottish properties only)

If transcript, please provide details of the valuer we need to approach:

I/We understand that the Standard Valuation is limited in scope and may not reveal defects which might be existing to the property.I/We understand that the valuation fee is non refundable and that the payment of this fee does not bind the Society to make an advance.In the event of needing to carry out a re-inspection there will be an additional charge.

Q. YOUR BUILDINGS AND CONTENTS INSURANCE

If you are maintaining your current insurance arrangements or arranging your own policy, please confirm your insurers details andrenewal dates below: Company Sum Assured Renewal Date*

Buildings insurance: Month Year

Contents insurance: Month Year

*By providing your renewal dates you agree that we may contact you in the future regarding your buildings and contents insurance.

If you do not wish us to contact you at renewal please tick here

N.B. Applicants not arranging their buildings insurance with the Society will be charged an initial fee and an ongoing annual fee.

The Society can arrange a policy to cover your home and contents. Further details are available in our Insurance Guide, which isavailable upon request from your mortgage adviser.Would you like a quotation for buildings cover? Yes No

Would you like a quotation for contents cover? Yes No

Please note that the insurance contract will not commence until completion of the mortgage or at an earlier date by specific agreement.

R. YOUR LIFE AND INCOME PROTECTION COVER

Do you have life and/or critical illness cover in place? Yes No

Do you have accident, sickness and involuntary unemployment cover in place? Yes No

Please provide details of the policy(ies) below:

ProtectionCompany

Type ofPolicy

SumAssured

MaturityDate

Name(s) of personscovered

PolicyNumber

P. YOUR SOLICITOR/CONVEYANCER

Please note, should you select a fees assisted product which includes a free legal transfer, the conveyancing service will becarried out by LMS.

Newcastle Building Society has a relationship with LMS, who can provide a conveyancing service to you. Please tick here ifyou would like us to appoint them on your behalf .

Please refer to the leaflet enclosed for an understanding of their conveyance related fees.If you would prefer to use your own Solicitor/Conveyancer, please provide details below:

Name of individual:

Name of firm:

Address:

Postcode:

Telephone number:

If your selected solicitor/conveyancer is not on the Society’s approved panel, we reserve the right to appoint our own.Please note, the Society does not accept Sole Practioners acting on our behalf.

Please provide details of your solicitor/conveyancer below:

12

S. DECLARATIONS

Your information

Your attention is drawn to the following Terms & Conditions that you must agree to before we can begin processing your application. It is importantthat you keep copies of all Terms & Conditions associated with your mortgage.

(a) You are over the age of 18 years (or will be before the mortgage completes) and apply for a mortgage of this property in accordance with the Rulesand Mortgage Conditions of the Society and declare that the information given shall form the basis of any mortgage that may be offered by us.

(b) We will use the information you have disclosed in your application to make enquiries of your employer (and previous employer if any), yourAccountant, Bank, Lender and Landlord you have named. We will also refer your application to any other third party including the HM Revenueand Customs and Department of Work and Pensions who may seem appropriate to us for credit assessment purposes. Such persons will keepa record of our enquiry and Government bodies may use the information we refer to them for the purposes of carrying out their statutory functions.

(c) To assess this application and to verify your identity we will make searches of our own Group records and those at Credit Reference Agencies.The agencies will record details of the search which may be seen by other lenders whether or not this application proceeds. The agencies willsupply to us both public (including the electoral register) and shared credit and fraud prevention information. Credit searches and other informationwhich is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by us andother companies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracingand the prevention of money laundering as well as the management of your account. If your mortgage application completes, then we may conductcredit searches for the purpose of managing your account. Account management searches will not leave a footprint on your credit file held withthe credit reference agencies.

(d) We will use the information you have disclosed in your application, together with information provided by the credit reference agencies todetermine a credit score by automated means. Your application may be rejected if the score returned does not meet the level accepted by us. Underthe Data Protection Act you are entitled, within 21 days of being notified of this decision, to request the automated decision be reviewed by us.

(e) You confirm we are to arrange where necessary on your behalf additional security and authorise us to supply any information that may be required.

(f) You confirm that a similar mortgage application has not been previously refused.

(g) To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agenciesthat will supply us with information. We may also pass information to other financial and other organisations involved in fraud protection to protectourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. Weand members of the Group and other companies may use this information if decisions are made about you or others at your address(es) oncredit or credit-related services, or motor, household, credit, life or any other insurance facilities. It may also be used for tracing and claimsassessment.

(h) You agree to inform us immediately of any changes in the information given to the questions in this application concerning, the occupationof the property, or a material change in your financial circumstances, which occur before completion.

(i) We reserve the right to decline applications where we have reasonable concerns over the intergrity of the application.

(j) You confirm we are authorised to carry out a valuation of the property and you understand that payment of the valuation fee does not bind usto make a loan to you. In the case of a remortgage and at our discretion we may decide to use a desktop valuation.

(k) We may pass your contact details to the Surveyor for the purposes of arranging the valuation and keeping you informed of its progress.

(l) You confirm for standard physical valuations that this is issued in accordance with RICS/ISVA Guidance Notes and Model Conditions ofEngagement and that it is only for our use to enable us to decide whether the property is suitable for a mortgage and if so, how much the mortgageshould be for. If an offer of Mortgage is made then you accept that we do not warrant the condition of the property, or that the price being paid isreasonable and you agree to meet the cost of the valuation whether or not an offer is made.

(m) You confirm that where an RICS House Flat Buyer Report is arranged that you accept the conditions of Engagement of the Surveyor underwhich the report will be issued.

(n) You confirm and acknowledge that neither the standard valuation or RICS House/Flat Buyers report is a full structural survey.

(o) You confirm that in the event the mortgage application does not proceed you will undertake to immediately indemnify us with the cost of anyfees paid to procure employers, lenders, and landlord's references on your behalf.

(p) An association between the joint applicants and or any individual identified as your financial partner, will be created at credit reference agencies,which will link your financial records. You and anyone else with whom you have a financial link understand that each other's information will betaken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a "disassociation"at the credit reference agencies.

(q) You declare by stating a financial association with another party that you are entitled to:

n Disclose information about the joint applicant and or anyone else referred to by you.

n Authorise us to search, link and or record information at credit reference agencies about you and anyone else referred to by you.

(r) Note that information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of yourpartners. For the purpose of this application you may be treated as financially linked and your application will be assessed with reference to any"associated" records.

(s) Where you need a Guarantor(s) to provide a personal guarantee and a cash deposit in order to proceed with your mortgage application, youauthorise us to provide to the Guarantor(s) a copy of your completed mortgage application form, the replies we receive from your employer(s),bankers, landlord or lender and the credit information search results carried out against you.

13

S. DECLARATIONS - (Cont.)

IMPORTANT PLEASE SIGN

Use of your Personal Information & Marketing Contact PreferencesNewcastle Building Society will hold information about your Account(s) for business analysis, fraud prevention and to keep your records accurateand up-to-date. The Society will treat your personal information as private and confidential (even when you are no longer a customer) and we willnot disclose any of these details unless: we are compelled to do so by law, there is a duty to the public to disclose, you request us to do so, or ourinterests require us to give information (for example to prevent fraud).

The Society may contact third parties using the information I/we have disclosed in my/our application (including any past/present lender, bank orother financial institution, employer, pension provider, accountant, landlord, professional advisor named on this form, HM Revenue and Customs orthe Department for Work and Pensions) for reference purposes, for confirmation of employment or to obtain information to confirm any incomereceived and payments made. Such persons will keep a record of the enquiry and government bodies may use the information the Society refers tothem for the purposes of carrying out their statutory functions.

At Newcastle Building Society we take your privacy very seriously and always treat your personal details with utmost care. We promise to keep yourinformation safe and secure, and never share this with other companies for marketing purposes.

You can read more about how we collect and process your personal data in our Privacy Policy, which is available online at:https://www.newcastle.co.uk/faqs/website-online-services/privacy-data-protection-policy/, at your local branch or by calling 0345 734 4345.

We would like to keep in touch with you about carefully selected products, services and offers that may be of interest and benefit to you. This includescontacting you with offers and services of Newcastle Financial Advisers Limited (a wholly owned subsidiary of the Society), Legal & GeneralGroup plc and The Co-operative Group Limited (both trusted partners).

Yes, I agree to you contacting me for these marketing purposes and would like to be contacted via:

1ST ACCOUNT HOLDER

Email Letter Telephone Text (SMS)

2ND ACCOUNT HOLDER

Email Letter Telephone Text (SMS)

Please note: if you are an existing account holder with Newcastle Building Society then the preferences you have indicated here will supersede anyexisting preference you may have nominated when opening a previous account(s).

You can withdraw your consent at any time, simply visit your local branch, call us on 0345 734 4345, or you can do this yourself via your onlineaccount. If you do not consent to marketing, we will still contact you periodically to administer your products and services, as required by law. Forexample, we will continue to send you statements and statutory notices.

Are you related to, or do you have a business relationship with, any employee of the Society? Yes No

Name Relationship

Do you have any other loans with the Society be it in your own name or business name? Yes No

Is there any other information which could be relevant to your application which you have not disclosed? Yes No

Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If youborrow and do not repay in full on time, we may tell credit reference agencies who will record the outstanding debt. This information maybe supplied to other organisations by Credit Reference Agencies and Fraud Prevention Agencies to perform similar checks and to traceyour whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you ordefaulted. If you fall behind with your mortgage repayments and the amount outstanding is not in dispute and you have not madesatisfactory proposals for repayment following a formal demand then you will be given 28 days notice of our intention to disclose thisinformation to the credit reference agency. You have the right of access to your personal records held by credit and fraud agencies. Wewill supply the names and addresses upon request to you. You can obtain this information by writing to Newcastle Building Society, PortlandHouse, New Bridge Street, Newcastle upon Tyne NE1 1BR (no stamp is required). Please quote ‘Credit Reference agency address required’and your mortgage application/account number.

It is important that you read and understand the section entitled Your Information (including Credit reference and fraud prevention agencies) inthe terms and conditions found in this application form.

By signing this application form, you agree that we can use the information in this way.

Form completed by:

Signature / First Applicant Date Name

Signature

Signature / Joint Applicant Date Status

Date

14

Name(s) of account holder(s)

Bank or Building Society account number

Branch sort code

Name and full address of your Bank or Building Society

Banks and Building Societies may not accept Direct Debit instructions for some types of accounts

This Guarantee should be detached and retained by the Payer.

The Direct Debit Guaranteen This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

n If there are any changes to the amount, date or frequency of your Direct Debit, Newcastle Building Society will notify you10 working days in advance of your account being debited or as otherwise agreed. If you request Newcastle BuildingSociety to collect a payment, confirmation of the amount and date will be given to you at the time of request.

n If an error is made in the payment of your Direct Debit, by Newcastle Building Society or your bank or building society,you are entitled to a full and immediate refund of the amount paid from your bank or building society:

- If you receive a refund you are not entitled to, you must pay it back when Newcastle Building Society asks you to.

n You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us.

To: The Manager of Bank or Building Society

Address:

Postcode:

Service User Number

349249Please fill in the whole of this form using a ball point pen and send it to:Newcastle Building Society, Portland House, New Bridge Street,Newcastle upon Tyne. NE1 8AL.

Instruction to your Bank or Building SocietyPlease pay Newcastle Building Society Direct Debits from theaccount detailed in this instruction subject to the safeguards assuredby the Direct Debit Guarantee. I understand that this instruction mayremain with Newcastle Building Society and, if so, details will bepassed electronically to my Bank or Building Society.

Instruction to yourBank or Building Societyto pay by Direct Debit

REFERENCE

"

Signature(s):

Date:

Mortgage Account

M T G D D

Not part of the instruction to your Bank/Building Society; for NewcastleBuilding Society official use only.

PLEASE TELL US THE DATE YOU WOULD LIKE USTO COLLECT YOUR PAYMENT

Please circle:

1st - 8th - 15th - 25th

Please note that in the case of a new instruction, the date indicatedabove may be effective from the second collection of this Direct Debit.If no date is selected, the collection date will default to the first businessday of each month.

FOR NEWCASTLE BUILDING SOCIETYOFFICIAL USE ONLY

The Direct Debit instruction will not be lodged until your packaged application has completed, confirmation of the DirectDebit set up will be sent to you by post no later than 10 working days before the first collection.

The company name which will appear on your bank statement against the Direct Debit will be Newcastle Building Society.

15

Please complete only if you have resided at more than two addressess in the last 3 years.

Address:

Occupancy status:


Address:

Occupancy status:


First Applicant

Postcode

The owner A tenant


From: Month Year

To: Month Year

Postcode

The owner A tenant


From: Month Year

To: Month Year

Joint Applicant

Postcode

The owner A tenant


From: Month Year

To: Month Year

Postcode

The owner A tenant


From: Month Year

To: Month Year

T. ADDITIONAL INFORMATION

Please complete only if you have changed employers in the last 2 years.

Position held:

Company name:

Company address:

Company Telephone No:

Company Fax No:

Period of employment:

Reason for leaving:

Position held:

Company name:

Company address:

Company Telephone No:

Company Fax No:

Period of employment:

Reason for leaving:

First Applicant

Postcode

From: Month Year

To: Month Year

Postcode

From: Month Year

To: Month Year

Joint Applicant

Postcode

From: Month Year

To: Month Year

Postcode

From: Month Year

To: Month Year

Principal Office: Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL.

Newcastle Building Society Principal Office: Portland House, New Bridge Street, Newcastle upon Tyne, NE1 8AL. Newcastle Building Society isauthorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.Newcastle Building Society is entered in the Financial Services Register under number 156058. You can check this on the Financial ServicesRegister or by contacting the Financial Conduct Authority on 0800 111 6768. Call: 0345 606 4488 or visit us online www.newcastle.co.uk

THE MORTGAGE CONTRACT YOU ENTER INTO WITH US WILL BE SECURED BY A MORTGAGE ON THE PROPERTY.

A first charge over your property will be required as security. ADV002 (August 2018)

Call:

0345 606 4488Monday to Thursday 8am to 8pm l Friday 8am to 6pm l Saturday 9am to 1pmWe may monitor and record telephone calls for training and security purposes.

or visit us online:

www.newcastle.co.uk

Your local branch details:

Documents

For mo rtgage products that suit your needs...For mo rtgage products that suit your needs newcastle.co.uk If a decision in principle has been ... The owner A tenant Living with family/friends