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Mortgage Loan Purchase Agreement Template for England and Wales

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Key Requirements PROMPT example:

Mortgage Loan Purchase Agreement

"I need a Mortgage Loan Purchase Agreement for a portfolio sale of 500 residential mortgages from ABC Bank to XYZ Investment Fund, with completion scheduled for March 2025, including post-completion servicing arrangements where ABC Bank will continue as servicer."

Document background
The Mortgage Loan Purchase Agreement is used when a financial institution wishes to sell part or all of its mortgage loan portfolio to another entity. This commonly occurs in securitization transactions, portfolio sales, or as part of balance sheet management strategies. The agreement, governed by English and Welsh law, details the mortgage loans being sold, purchase price, representations about the loans' quality, and transfer mechanics. It must address regulatory requirements, including those under the Financial Services and Markets Act 2000 and FCA regulations.
Suggested Sections

1. Parties: Identification of seller and purchaser of mortgage loans

2. Background: Context of the transaction and purpose of the agreement

3. Definitions: Key terms used throughout the agreement

4. Sale and Purchase: Core terms of the transfer of mortgage loans

5. Purchase Price: Consideration and payment terms

6. Conditions Precedent: Requirements to be satisfied before completion

7. Representations and Warranties: Statements about the mortgage loans and parties

8. Completion: Process and requirements for closing the transaction

Optional Sections

1. Post-Completion Obligations: Ongoing responsibilities after closing, used when ongoing servicing or reporting is required

2. Securitization Provisions: Requirements for securitization compliance, included when loans will be securitized

3. Data Protection: GDPR compliance provisions, required when personal data is being transferred

Suggested Schedules

1. Schedule of Loans: Detailed list of mortgage loans being purchased

2. Form of Transfer: Legal documentation for transferring the loans

3. Eligibility Criteria: Requirements for loans to be included in the purchase

4. Representations and Warranties: Detailed warranties about the mortgage loans

5. Power of Attorney: Authority for purchaser to act in seller's name

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈ˰æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

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Relevant Industries
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Industries

Financial Services and Markets Act 2000: Core regulatory framework for financial services in the UK, including requirements for authorized persons and consumer protection provisions

Consumer Credit Act 1974: Regulates credit agreements, consumer protection measures, and licensing requirements for credit-related activities

Law of Property Act 1925: Establishes fundamental property law principles, mortgage regulations, and land registration requirements in England and Wales

Land Registration Act 2002: Governs the registration of mortgages and transfer of registered charges in England and Wales

FCA Handbook (MCOB): Contains the Mortgage and Home Finance: Conduct of Business Sourcebook, defining regulatory requirements for mortgage business

UK Securitisation Regulations 2018: Specifies requirements for securitization transactions, risk retention rules, and transparency requirements

GDPR and Data Protection Act 2018: Establishes data protection requirements, privacy considerations, and data transfer provisions

Money Laundering Regulations 2017: Sets out anti-money laundering requirements and due diligence procedures for financial transactions

Consumer Rights Act 2015: Provides consumer protection measures and regulates unfair terms in consumer contracts

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts and limits the extent to which liability can be excluded

Financial Services (Banking Reform) Act 2013: Implements structural and regulatory reforms to the UK banking sector

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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