Contents

• Overview

1.1 Purpose
1.2 Context
1.3 Main Features of the Programme
1.4 Targeting and Provding Information
1.5 Coventional Mortgage Providers
1.6 Role of the HomeBuy Agent
1.7 Role of the Equity Loan Provider

• Applicant Eligibility

2.1 General
2.2 Eligibility Criteria

• Property Eligibility

3.1 General
3.2 Eligible Properties
3.3 Excluded Properties

• Processing the Purchase

4.1 General
4.2 Setting up the Programme
4.3 Consumer Credit Licence
4.4 The Application
4.5 The Purchase Process
4.6 The Purchase Price
4.7 Loan Documentation
4.8 Grant Claim

• Post Sales Procedures

5.1 General
5.2 Re-mortgaging
5.3 Additional Borrowing & Works to the Property
5.4 Mortgage Default
5.5 Early Redemption of the Equity Loan
5.6 Sub-Letting
5.7 Re-sales
5.8 Key Workers - Special Provisions

• Reporting and Audit Requirements

6.1 General
6.2 Record Keeping
6.3 Compliance Audit