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Mortgage Sales Contract

Mortgage Sales Contract Template for Ireland

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Key Requirements PROMPT example:

Mortgage Sales Contract

"I need a Mortgage Sales Contract under Irish law for a buy-to-let property investment, where the borrower is a corporate entity and there will be multiple guarantors; the agreement needs to include specific provisions for rental income management and quarterly reporting requirements."

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Document background
The Mortgage Sales Contract serves as the primary legal instrument for securing property financing in Ireland. This document is essential when a financial institution provides mortgage funding for property purchase, whether for residential, commercial, or investment purposes. The contract must comply with strict Irish regulatory requirements, including the Consumer Protection Code 2012 and the European Union (Consumer Mortgage Credit Agreements) Regulations 2016. It encompasses all necessary elements for a valid mortgage agreement: loan details, property security, payment terms, borrower obligations, and lender rights. The document is designed to protect both lender and borrower interests while ensuring compliance with Irish property law, banking regulations, and consumer protection legislation.
Suggested Sections

1. Parties: Identification of the Lender (Mortgagee) and Borrower (Mortgagor), including full legal names, addresses, and registration numbers for corporate entities

2. Background: Context of the mortgage agreement, including property purchase details and purpose of the loan

3. Definitions: Definitions of key terms used throughout the agreement, including technical and legal terminology

4. The Loan: Details of the loan amount, purpose, and basic terms including currency and disbursement details

5. Interest: Interest rate specifications, calculation methods, and variation terms

6. Repayment Terms: Payment schedule, amounts, methods of payment, and early repayment provisions

7. Security: Details of the mortgage security, property description, and charging provisions

8. Borrower's Covenants: Borrower's obligations including property maintenance, insurance, and use restrictions

9. Lender's Rights: Rights of the lender including inspection rights and enforcement provisions

10. Events of Default: Circumstances constituting default and consequences thereof

11. Representations and Warranties: Statements of fact and assurances given by the borrower

12. Insurance Requirements: Mandatory insurance coverage and related obligations

13. Costs and Expenses: Allocation of transaction costs, ongoing fees, and enforcement expenses

14. Notices: Communication procedures and contact details for formal notices

15. Governing Law and Jurisdiction: Confirmation of Irish law governance and jurisdiction for disputes

Optional Sections

1. Guarantor Provisions: Required when there is a guarantor for the mortgage, detailing guarantor obligations and rights

2. Buy-to-Let Provisions: Included for investment properties, containing specific requirements for rental properties

3. Fixed Rate Terms: Detailed terms for fixed-rate periods, if applicable

4. Tracker Rate Terms: Specific provisions for tracker mortgages, if applicable

5. Multiple Borrowers: Additional provisions for joint borrowers or corporate borrowers

6. Life Insurance Requirements: Specific life insurance requirements beyond standard property insurance

7. First-Time Buyer Provisions: Special terms or considerations for first-time buyers

8. Help-to-Buy Scheme Provisions: Required when the mortgage involves government help-to-buy schemes

Suggested Schedules

1. Schedule 1 - Property Details: Detailed description of the mortgaged property including title details and mapping references

2. Schedule 2 - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

3. Schedule 3 - Special Conditions: Any special conditions or variations from standard terms

4. Schedule 4 - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements

5. Schedule 5 - Fees and Charges: Complete schedule of all applicable fees and charges

6. Appendix A - Standard Terms and Conditions: Bank's standard mortgage terms and conditions

7. Appendix B - Direct Debit Mandate: Form for setting up automatic payment arrangements

8. Appendix C - European Standardised Information Sheet (ESIS): Mandatory standardized information about the mortgage as required by EU regulations

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions

















































Clauses




































Relevant Industries

Banking & Financial Services

Real Estate

Legal Services

Insurance

Property Development

Mortgage Broking

Financial Technology

Property Management

Social Housing

Construction

Relevant Teams

Legal

Compliance

Credit Risk

Mortgage Operations

Real Estate Finance

Document Management

Regulatory Affairs

Customer Relations

Property Services

Underwriting

Sales

Business Development

Portfolio Management

Relevant Roles

Mortgage Advisor

Legal Counsel

Compliance Officer

Property Lawyer

Banking Executive

Credit Risk Manager

Mortgage Underwriter

Real Estate Agent

Property Developer

Financial Controller

Mortgage Broker

Banking Relationship Manager

Property Portfolio Manager

Legal Document Specialist

Regulatory Affairs Manager

Industries









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