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steven carman
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Decks in this class (27)
Topic 2 - Types of Borrower
Private personal borrowers seek m...,
Buy to let btl borrowers mortgage...,
A consumer buy to let cbtl
30
cards
Topic 16- Financial Protection And Planning
What type of insurance product is...,
What are the 4 ranks of financial...
2
cards
Topic 9 -The Role Of A Mortgage Advisor
What is the advice process,
What will the fact find interview...,
What two key factors will a fact ...
10
cards
Topic 1 - Property and The Mortgage market
What is securitisation,
Why do securitisation,
What 6 issues can effect the mort...
14
cards
Topic 3 - Mortgage Regulation
Regulations for regulated mortgag...,
The mortgage credit directive mcd,
What is a mortgage entered into a...
21
cards
Topic 4 - Principles of Mortgage and Property Law
Freehold,
Leasehold,
Cuius est solum eius est usque ad...
32
cards
Topic 5 - Practical Aspects of Property and Mortgage Law
What is the land registration act...,
Property register,
Proprietorship register
31
cards
Topic 6 - Buying a Property: An Overview
Bound by terms,
Caveat emptor,
Uberrima fides
27
cards
Topic 7 - The Legal Aspects of Property Purchase
A licensed conveyancer,
Solicitors carry which insurance ...,
What searches are carried out by ...
14
cards
Topic 8 - Regulation and the Buying Process
Non real time financial promotion,
When are unsolicited calls allowed,
Rules for real time promotions
23
cards
Topic 10 - Assessing the Applicant's Financial Status
What types of income are taken in...,
Suitable documents for evidencing...,
How is income from self employmen...
22
cards
Topic 11 - Checking the Applicant's Credit Status
Which information is not revealed...,
A credit record shows records of ...,
What issues can render a guarante...
20
cards
Topic 12 - Suitability
Record keeping interest only mort...,
For interest only mortgages the l...,
What issues arise in mortgages th...
5
cards
Topic 13 - Assessing the Property
The value of freehold property co...,
Freehold flats are seen as proble...,
Issues that could affect the valu...
16
cards
Topic 14 - Valuations and Surveys
Basic valuation,
Retention,
A claim for negligence in a valua...
10
cards
Topic 15 - Other Factors that Affect the Lending Decision
Work that requires planning consent,
Building work subject to regulation,
What are main environmental facto...
15
cards
Topic 20: Mortgage Repayment Methods
Main advantages of a repayment mo...,
In an interest only mortgage the ...,
Unacceptable repayment methods fo...
7
cards
Topic 21- Using Endowment Policies for Mortgage Repayment
Endowment plans are composed of t...,
Where are premiums invested in a ...,
The with profits fund is assessed...
23
cards
Topic 22 - Other Repayment Vehicles for Interest-Only Mortgages
Characteristics of an isa mortgage,
What is the overall isa limit,
Stocks and shares isas are availa...
12
cards
Topic 23 - Interest-Rate Options
Standard variable rate mortgage,
Discount rate mortgage,
Tracker mortgage
11
cards
Topic 24- Other Mortgage Products
Foreign currency mortgage,
Sub prime mortgage,
Guarantor mortgage
7
cards
Topic 25- Schemes for Specific Groups of Borrower
What is the maximum initial share...,
Staircasing,
On purchase of a shared ownership...
9
cards
Topic 17- Mortgage-Related Insurance Products
Convertible term insurance,
Critical illness cover,
Mortgage payment protection insur...
21
cards
Topic 26- Raising Additional Funds from Property
A further advance is,
Mcob rules require lenders to inf...,
The ltv with a further advance
36
cards
Topic 24 - Transferring Mortgages
What issues doe a borrower need t...,
What are reasons for switching to...,
With a remortgage with a new lend...
19
cards
Topic 28- Arrears and Debt Management
What are the two overarching prin...,
Where a borrower has a payment sh...,
If the borrowers bank has refused...
34
cards
Topic 29- Lenders' Legal Rights and Remedies
The most commonly used legal reme...,
Even after the date of possession...,
The borrower can settle the full ...
10
cards
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cemap 2 and 3 my version
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