(1) At the beginning of article 2(2)(a) insert "subject to paragraph (3),".

(2) After article 2(2) insert -

"(3) In this Order the expressions set out in paragraph (4) have the same meaning as in the mortgages directive subject to the modification made in paragraph (5).

(4) The expressions are -

(a) "ancillary service" (in Article 4(4) of the mortgages directive);10

(b) "bridging loan" (in Article 4(23) of the mortgages directive);

(c) "contingent liability or guarantee" (in Article 4(24) of the mortgages directive);

(d) "creditworthiness assessment" (in Article 4(17) of the mortgages directive).

(5) The modification is that each reference in the expression concerned to "credit agreement" is to be read as if there were substituted a reference to "buy-to-let mortgage contract" (as defined in this Order).".