MOGI 2
Mortgages: Conduct of Business Sourcebook (MCOB)
MOGI 2.1
Financial promotion (MCOB 3)
- 01/12/2004
Introduction
MOGI 2.1.1
See Notes
- 01/12/2004
What is the scope of the financial promotion rules?
MOGI 2.1.2
See Notes
- 01/12/2004
MOGI 2.1.3
See Notes
- 01/12/2004
Real time and non-real time qualifying credit promotions
MOGI 2.1.4
See Notes
- 01/12/2004
MOGI 2.1.5
See Notes
- 01/12/2004
Form and content of qualifying credit promotions
MOGI 2.1.6
See Notes
- 01/12/2004
MOGI 2.1.7
See Notes
- 01/12/2004
MOGI 2.1.8
See Notes
- 01/12/2004
Clear, fair and not misleading
MOGI 2.1.9
See Notes
- 01/12/2004
MOGI 2.1.10
See Notes
A specific warning must be used where the promotion is for a product where its price varies according to the specific circumstances of the borrower (MCOB 3.6.25 R).
If the APR can vary (for example because of the circumstances of the borrower), then you must include an APR that is representative of business expected to arise from the promotion (MCOB 3.6.22 R to MCOB 3.6.24 G). This means that at least 66% of consumers responding to the promotion and entering a qualifying credit agreement as a result must be charged an APR at or below the stated APR.
- 01/12/2004
Cold calling
MOGI 2.1.11
See Notes
- 01/12/2004
MOGI 2.1.12
See Notes
- 01/12/2004
MOGI 2.1.13
See Notes
- 01/12/2004
Confirming compliance of qualifying credit promotions
MOGI 2.1.14
See Notes
- 01/12/2004
Withdrawing compliance
MOGI 2.1.15
See Notes
- 01/12/2004
MOGI 2.2
Advising and selling standards (MCOB 4)
- 01/12/2004
Introduction
MOGI 2.2.1
See Notes
- 01/12/2004
What is the scope of service?
MOGI 2.2.2
See Notes
- 01/12/2004
MOGI 2.2.3
See Notes
- 01/12/2004
What must I do if I want to describe myself as 'independent'?
MOGI 2.2.4
See Notes
- 01/12/2004
MOGI 2.2.5
See Notes
- 01/12/2004
What must I tell consumers about my mortgage service?
MOGI 2.2.6
See Notes
- 01/12/2004
MOGI 2.2.7
See Notes
- 01/12/2004
MOGI 2.2.8
See Notes
- 01/12/2004
MOGI 2.2.9
See Notes
- 01/12/2004
What are the requirements for advised sales?
MOGI 2.2.10
See Notes
- 01/12/2004
MOGI 2.2.11
See Notes
- 01/12/2004
MOGI 2.2.12
See Notes
- 31/05/2005
MOGI 2.2.13
See Notes
- 01/12/2004
MOGI 2.2.14
See Notes
- 01/12/2004
MOGI 2.2.15
See Notes
- 01/12/2004
MOGI 2.2.16
See Notes
- 01/12/2004
MOGI 2.2.17
See Notes
- 01/12/2004
MOGI 2.2.18
See Notes
- 01/12/2004
MOGI 2.2.19
See Notes
- 01/12/2004
MOGI 2.2.20
See Notes
- 01/12/2004
MOGI 2.2.21
See Notes
- 01/12/2004
What are the requirements for non-advised sales?
MOGI 2.2.22
See Notes
- 01/12/2004
MOGI 2.2.23
See Notes
- 01/12/2004
MOGI 2.2.24
See Notes
- 01/12/2004
MOGI 2.2.25
See Notes
- 01/12/2004
MOGI 2.3
Pre-sale disclosure (MCOB 5)
- 01/12/2004
Introduction
MOGI 2.3.1
See Notes
- 01/12/2004
Key facts illustration (KFI)
MOGI 2.3.2
See Notes
- 01/12/2004
MOGI 2.3.3
See Notes
- 01/12/2004
MOGI 2.3.4
See Notes
- 01/12/2004
When do you have to provide a KFI?
MOGI 2.3.5
See Notes
- 01/12/2004
MOGI 2.3.6
See Notes
- 01/12/2004
Who is responsible for the accuracy of the KFI?
MOGI 2.3.7
See Notes
- 01/12/2004
Can you provide cost information that is not in the form of a KFI?
MOGI 2.3.8
See Notes
- 01/12/2004
MOGI 2.3.9
See Notes
- 01/12/2004
MOGI 2.3.10
See Notes
- 01/12/2004
Can you use generic application forms?
MOGI 2.3.11
See Notes
- 01/12/2004
When can you obtain an approval in principle for a consumer?
MOGI 2.3.12
See Notes
- 01/12/2004
Content of the KFI
MOGI 2.3.13
See Notes
- 01/12/2004
Level of service
MOGI 2.3.14
See Notes
- 01/12/2004
Disclosure of fees
MOGI 2.3.15
See Notes
- 01/12/2004
Inclusion of insurance products or a repayment vehicle in the KFI
MOGI 2.3.16
See Notes
- 01/12/2004
Tied products
MOGI 2.3.17
See Notes
- 01/12/2004
MOGI 2.3.18
See Notes
- 01/12/2004
Commission disclosure
MOGI 2.3.19
See Notes
- 01/12/2004
MOGI 2.3.20
See Notes
- 01/12/2004
Unsure whether the mortgage is a regulated mortgage?
MOGI 2.3.21
See Notes
- 01/12/2004
MOGI 2.4
Disclosure at the offer stage (MCOB 6)
- 01/12/2004
Introduction
MOGI 2.4.1
See Notes
- 01/12/2004
When is an offer document required?
MOGI 2.4.2
See Notes
- 01/12/2004
What does the offer document contain?
MOGI 2.4.3
See Notes
- 01/12/2004
MOGI 2.5
Disclosure at start of contract and after sale
- 01/12/2004
Introduction
MOGI 2.5.1
See Notes
- 01/12/2004
Further advances
MOGI 2.5.2
See Notes
- 01/12/2004
Rate switches
MOGI 2.5.3
See Notes
- 01/12/2004
Addition or removal of a party to the contract
MOGI 2.5.4
See Notes
- 01/12/2004
Two changes at the same time
MOGI 2.5.5
See Notes
- 01/12/2004
MOGI 2.6
Lifetime mortgages: advising and selling standards (MCOB 8)
- 01/12/2004
Introduction
MOGI 2.6.1
See Notes
- 01/12/2004
MOGI 2.6.2
See Notes
- 01/12/2004
MOGI 2.6.3
See Notes
- 01/12/2004
Initial disclosure
MOGI 2.6.4
See Notes
- 01/12/2004
Advised sales
MOGI 2.6.5
See Notes
- 01/12/2004
MOGI 2.6.6
See Notes
- 01/12/2004
MOGI 2.6.7
See Notes
- 01/12/2004
Non-advised sales
MOGI 2.6.8
See Notes
- 01/12/2004
MOGI 2.6.9
See Notes
- 01/12/2004
MOGI 2.6.10
See Notes
- 01/12/2004
MOGI 2.7
Lifetime mortgages: product disclosure (MCOB 9)
- 01/12/2004
Introduction
MOGI 2.7.1
See Notes
- 01/12/2004
Pre-sale disclosure - general
MOGI 2.7.2
See Notes
- 01/12/2004
MOGI 2.7.3
See Notes
- 01/12/2004
Content of the key facts illustration
MOGI 2.7.4
See Notes
- 01/12/2004
MOGI 2.7.5
See Notes
- 01/12/2004
Post-sale disclosure
MOGI 2.7.6
See Notes
- 01/12/2004
MOGI 2.8
Annual percentage rate (MCOB 10)
- 01/12/2004
MOGI 2.8.1
See Notes
- 01/12/2004
MOGI 2.8.2
See Notes
- 01/12/2004
The calculation
MOGI 2.8.3
See Notes
- 01/12/2004
MOGI 2.8.4
See Notes
- 01/12/2004
MOGI 2.8.5
See Notes
- 01/12/2004
MOGI 2.8.6
See Notes
- 01/12/2004
MOGI 2.8.7
See Notes
- 01/12/2004
MOGI 2.9
Responsible lending (MCOB 11)
- 01/12/2004
Introduction
MOGI 2.9.1
See Notes
- 01/12/2004
Has account been taken of the consumer's ability to repay?
MOGI 2.9.2
See Notes
- 01/12/2004
MOGI 2.9.3
See Notes
- 01/12/2004
MOGI 2.9.4
See Notes
- 01/12/2004
MOGI 2.9.5
See Notes
- 01/12/2004
MOGI 2.10
Charges (MCOB 12)
- 01/12/2004
Introduction
MOGI 2.10.1
See Notes
- 01/12/2004
Excessive charges
MOGI 2.10.2
See Notes
- 01/12/2004
MOGI 2.11
Arrears and repossessions (MCOB 13)
- 01/12/2004
Introduction
MOGI 2.11.1
See Notes
- 01/12/2004
Fair treatment
MOGI 2.11.2
See Notes
- 31/05/2005
Information requirements
MOGI 2.11.3
See Notes
- 01/12/2004
MOGI 2.11.4
See Notes
- 01/12/2004