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Description

Mortgage Lending: Securing the Legal Framework, Disclosure and Contracting

Build mortgage files in which every step withstands a challenge from the borrower

  • 1 day — 7 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

A mortgage file is rarely challenged on the rate: it is challenged on pre-contractual disclosure, the affordability assessment, the duty to warn or the borrower protection insurance. Relationship managers apply internal procedures without always knowing the rule behind them or the exposure this creates for the institution.

This one-day programme covers the full mortgage journey: pre-contractual disclosure and the offer, affordability assessment, security, borrower protection insurance, then the life of the facility including early settlement and payment defaults. Each step is examined from the standpoint of the lender's obligations and the evidence it must be able to produce.

Learning objectives

  • Comply with pre-contractual disclosure obligations towards the borrower
  • Assess affordability and formalise the duty to warn
  • Secure the content of the loan offer and its acceptance
  • Select security appropriate to the file and put it in place
  • Handle events during the life of the facility and default situations

What makes this programme different

Each step of the journey is linked to the document that evidences the obligation met
The most frequent disputes are traced back to the initial customer complaint
Files brought by participants are used as the basis for the exercises

Programme

1Mortgage lending framework and borrower disclosure

Securing the early stage of the relationship

  • Scope of application and financing transactions concerned
  • Pre-contractual disclosure and explanations owed to the borrower
  • Affordability assessment and supporting documents required
  • Duty to warn and how its performance is evidenced

2Offer contract and security

Locking down the formation of the facility

  • Content of the loan offer and applicable time frames
  • Acceptance conditions precedent and link with the sale and purchase agreement
  • Guarantees mortgage registration and lender's ranking
  • Borrower protection insurance and the option to change provider

3Life of the facility and disputes

Managing what follows without exposing the bank

  • Early settlement and fees that may be charged
  • Renegotiation refinancing and contract amendments
  • Handling first missed payments and the duty to alert
  • Acceleration of the facility and enforcement of security
  • Customer complaints and reasoned responses

Who is it for

Bank relationship managers · finance advisers · mortgage brokers · in-house banking counsel and branch managers.

Prerequisites

Be involved in the distribution or ongoing management of mortgage facilities.

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.