The Reverse Mortgage Deed of Trust is essential in England and Wales for structuring equity release arrangements for older homeowners. This document is typically used when homeowners aged 55 or older wish to access the equity in their property while continuing to live there. The deed establishes the legal framework for the reverse mortgage, detailing how the loan amount grows over time, the conditions for repayment, and the protections for all parties involved. It ensures compliance with UK financial regulations and provides security for both the lender and borrower while maintaining the borrower's right to occupy the property.
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1. Parties: Identification of lender, borrower, and trustee
2. Background: Context of the reverse mortgage arrangement and reference to relevant legislation
3. Definitions: Key terms used throughout the document including statutory references
4. Trust Declaration: Formal creation of the trust arrangement and its purpose
5. Property Details: Legal description of the mortgaged property and title information
6. Loan Terms: Amount, interest rate, repayment conditions and equity release provisions
7. Trustee Powers and Duties: Scope of trustee authority and responsibilities under relevant legislation
8. Security Provisions: Details of the charge over the property and enforcement rights
1. Insurance Requirements: Additional insurance provisions when specific coverage is required by lender
2. Power of Attorney: Appointment of attorney provisions for circumstances where borrower becomes incapacitated
3. Occupancy Requirements: Specific conditions for property occupation and maintenance obligations
1. Property Schedule: Detailed property description, title information and land registry details
2. Loan Schedule: Detailed loan terms, interest calculations, and payment provisions
3. Insurance Schedule: Required insurance details and minimum coverage specifications
4. Powers of Trustee Schedule: Comprehensive list of trustee powers and limitations under the trust
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