When you get a mortgage, you will be signing a lot of paperwork. One of the documents you will sign is an acknowledgement regarding the standard charge terms of the mortgage.
Standard charge terms are, well, standard. They set out, in extensive detail, the terms of the mortgage that are common to everyone who has that type of mortgage; most lenders have a set each for fixed and variable rate mortgages. They will state insurance, payment, and maintenance requirements, as well as what enforcement rights the lender has.
It’s fine print, but if you have the time, it’s worth reading the full details on the rules of your mortgage.