entering into an MCD mortgage contract;
varying the terms of an MCD mortgage contract entered into by the consumer in any of the following ways:
adding or removing a party;
making a further advance; or
switching all or part of the MCD regulated mortgage contract from one interest rate to another;
In MCOB 6A, a reference to varying an MCD regulated mortgage contract is to be read as including a reference to an offer to vary an existing MCD regulated mortgage in a manner specified in this section.