ebs mortgage application - sheridan · pdf filemortgage application 7210 - mtg018 ebs...

EBS Mortgage Application

7210 - MTG018 EBS MortgageAppCover2011.indd 2 19/12/2011 15:52

EBS Limited. Registered Office: The EBS Building, 2 Burlington Road, Dublin 4.Registered in Ireland, No.500748. EBS Limited is an authorised agent and servicer of EBS Mortgage Finance (a wholly-owned subsidiary of EBS Limited). EBS Limited is regulated by the Central Bank of

Ireland. EBS Mortgage Finance is regulated by the Central Bank of Ireland. Information correct as at 19/12/2011.MTG018 01/12


LOAN APPLICATION CHECKLIST

1stApplicant 2ndApplicant

The following original documents are required to be submitted in order for us to process your loan application.Pleasenotethatthefollowinglistisindicativeonlyandadditionaldocumentationmayberequireddependingoncircumstances.

All Applicants 1st App. 2nd App.EBSIncomeCertificate(s),2recentpayslipsandP60(s)or2yearsauditedaccountsifyouareselfemployed. Evidenceofthebalanceoffundstopurchasetheproperty,suchassavingsaccountstatement. Valuationfee(notapplicableifapplyingfor‘approvalinprinciple’only). Photoidentificatione.g.passport,driverslicence. Addressverificatione.g.electricitybilloranyotherutilitiesbill. CompletedIncome&Expenditurestatement.

General

Houseinsurance

Lifeassurance

DirectDebitmandate

Bankstatementsfor6months

A12monthloanstatementfromyourcurrentmortgageprovider(ifapplicable)

If you are purchasing a new propertyIfthehousethatyouarebuyingiscoveredbytheHomeBondSchemeweneedtheHomeBondGuaranteeSchemeCertificate(HB47)orPremiereGuaranteeCertificatewhichyourbuilderorsolicitorwillprovideyouwith.

If you are building your own property Anarchitect’sletterofsupervisionandindemnityinsurance(formtobecompletedavailableatanyEBSoffice).

Abreakdownofthecostoftheconstructionofyourproperty.

Sitemap,houseplans,specification,planningpermission.

If you are mortgaging a second hand home in need of repair Ifallorpartofyourloanisforthepurposeofcompletinghomeimprovementstoyourexistingpropertyoranewpropertywerequireestimatesofthevalueoftheworktobecarriedout.

Ifplanningpermissionorby-lawapprovalisrequiredforthecompletionofthehomeimprovements,acopyofthisisrequired.

Ifthehomeimprovementsareofastructuralnature,aletterofsupervisionfromyourarchitectisrequired.

If you are refinancing Outstandingbalancesforanyloanstobepaidoff(Redemptionfigures).

CreditCardStatements(ifapplicable).

Other

EBS Representative Phone Date

7210 - MTG018 0609 EBS MortgageApplicationFormDEC2011.indd 1 19/12/2011 15:40

MTG018001.12

A. PERSONAL DETAILS 1stApplicant 2ndApplicant

Title(Mr.,Mrs.,Ms.,etc.) FirstName Surname DateofBirth / / Age / / Age

CurrentAddress

TimeatCurrentAddress Yrs Mths Yrs Mths

PreviousAddress(iflessthan3years)

TimeatPreviousAddress Yrs Mths Yrs Mths

CountryofBirth MaritalStatus

TelephoneNumbers Home Office Home Office

MobileNumber E-mailAddress NumberofDependents /Ages /Ages

Smoker Yes No Yes No

B. EMPLOYMENT 1stApplicant 2ndApplicant

EmploymentStatus(Full/Parttime)

IsEmploymentPermanent? Yes No Yes No

IndustryType/BusinessofEmployer (Example:manufacturing,agricultureetc.)

Occupation/JobTitle

EmployerName

EmploymentAddress

EBS HOME LOAN APPLICATION FORMPlease tick boxes as appropriate in each section and write N/A (not applicable) where necessary. Please write in BLOCK CAPITALS.

CustomerNo.1

CustomerNo.2

LoanApp.No.

Branch/Agency

FOR OFFICE USE ONLYRegisteredOffice,TheEBSBuilding2BurlingtonRoad,Dublin4Tel:016659000www.ebs.iee-mail:[email protected]

DoyouholdanexistingaccountwithEBS? Yes No

IfyesAccountNumbers

HaveyoubeenapprovedbyyourlocalauthorityfortheAffordableHousingScheme? Yes No

Why did you choose EBS? Please tick appropriate box.

Recommendedbyemployer Advertising/Marketing FamilyreferralLocationofEBSoffice Friendreferral EBSseminarOpeningtimesofEBSoffices Applicationoverthephoneorapplicationon-line


B. EMPLOYMENT cont. 1stApplicant 2ndApplicant

LengthofService Yrs Mths Yrs Mths

PreviousEmploymentDetails(Ifcurrentemploymentisforlessthan3years)

LengthofServiceinPreviousEmployment Yrs Mths Yrs Mths

AreyouSelf-employed? Yes No Yes No

IfYes,CompanyType

IfYes,DateEstablished

C. FINANCIAL CIRCUMSTANCES 1stApplicant 2ndApplicant

1.INCOME

Salary/Wage

Basic

Overtime

AnnualBonus

AnnualCommission

Other Income

Annual

GiveDetails

2.OUTGOINGS

Pleaseexclude:yourcurrentmortgagerepaymentwhereyouintendtosellyourpropertyandassociatedinsurancepayments.

1stApp 2ndApp PaidTo MthlyPayment TermOutstanding Balance Ongoing

PersonalLoan*

Yes No

CarLoans*

Yes No

HirePurchase

Yes No

CreditCards

Yes No

ChildCare

Maintenance

LifeAssurance IsthisLifeAssurancemandatory? Yes No

Other GiveDetails

*Pleaseenclosearecentloanstatement.

Ifyouintendtousethismortgagetoconsolidatetwoormoreofyourexistingloans,undertheConsumerProtection

CodeEBSisobligedtoprovideyouwithanindicativecomparisonofthetotalcostofyourexistingloanswiththetotal

costofconsolidatingtheseloans.


3.DETAILSOFPROPERTIESOWNED

PropertyAddress IntendedUse

RentalIncome

MarketValue

MortgageBalance

FinancialInstitution

Refinancing TermRemaining

Yes No

Yes No

Yes No

4.SAVINGS

1stApp. 2ndApp.Institution

TypeofAccount

Savings Current Investment Date

Opened CurrentBalance

D. LOAN DETAILS

LOANTYPE(please tick one) Repayment/Annuity Endowment Pension

FirstTimeBuyer? Yes No Doyouintendrentingoutaroom(s) Yes No

RentalIncome

LOANPURPOSE:

HomePurchase? Yes No Refinance? Yes No

PrivateHouseConstruction? Yes No SitePurchase?Yes No

LoanAmountRequired

TermofLoan Years

SplitLoanOption Amount

LoanTerm

Variable or

FixedRate

FixedTerm

Ifyouwouldliketosplityourloan Part1 Yrs Yrs

pleasefillinthefollowingdetails Part2 Yrs Yrs

DateChequeRequired? / /

StagePaymentsRequired Yes No

CostofHousePurchase

CostofSitePurchase

CostofConstructionorRenovations

StampDuty


Your own Contribution

Savings

Equityfromanotherproperty

Gift

Other(pleasegivedetailsbelow)

Details

Deposit

Howareyoufundingyourdeposit? PersonalSavings FromtheSaleofExistingProperty

OtherLoan

Ifotherloanpleasegivedetailsandprovider

Refinancing (if applicable)

YearPurchased

PurchasePrice

PurposeofLoan

CurrentMarketValue

Beforeselectingfromthefollowingrateandrepaymentoptions,pleasereadthewarningssetoutinthe`Declarations,AuthorisationsandConsents´sections.

APPLICATIONFORSELFBUILD–INTERESTONLYFACILITYI/WewishtoapplyforanInterestOnlyFacilityforaperiodof________months.

Withthisoption,youmakeinterestonlypaymentsfortheperiodspecified.

Thismeansthatyourrepaymentswillincreaseafterthisperiodtoensurethatthefullloanisrepaidwithintheoriginaltermagreed.

Followingtheexpiryofyourinterestonlyperiod,yourloanrepaymentswillbere-calculatedtoensurethatthetotaloutstandingcapitalispaidwithintheremainingtermoftheloan.Thisistoaccountforthefactthatyourcapitalhasnotbeenreducingduringtheinterest-onlyperiodasitwouldinanannuityloan.

YourInterestchargecanbereducedoverthetermofthemortgagebymakingadditionalrepayments.

I/WeconfirmthatI/weunderstandtheworkingsoftheInterestOnlyfacilityandwishtoproceedwiththisapplication.

APPLICATIONFORANEASYSTEPFACILITYWiththeEasyStepoption,youwillmakereducedrepaymentsinthefirstthreeyears.ThismeansthatyourrepaymentswillincreasefromYear4onwardstoensurethatthefullloanisrepaidwithintheoriginaltermagreed.

FollowingtheexpiryofyourEasyStepperiodinyearfour,yourloanrepaymentswillbere-calculatedtoensurethatthetotaloutstandingcapitalispaidwithintheremainingtermoftheloan.Thisistoaccountforthefactthatyouhavechosentoreducetheamountofcapitalandinterestpaidforthefirst3yearsofyourmortgageandithasnotbeenreducingasitwouldinanannuityloanwherenoreducedpaymentoptionwasselected.

Yourinterestchargecanbereducedoverthetermofthemortgagebymakingadditionalrepayments.I/WeconfirmthatI/weunderstandtheworkingsoftheEasyStepfacilityandwishtoproceedwiththisapplication.

PleasenotethatthereducedEasySteprepaymentmayonlycovertheinterestonyourloan-seewarningaboveinrelationtointerest-onlyfacilities.

6

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.


APPLICATIONFORAFIXEDRATEMORTGAGEI/Wewishtoapplyforafixedrateforthefirst___year(s)ofmy/ourmortgage.

I/Weunderstandthatwhenthisfixedrateperiodhasexpiredtheinterestratewillconverttotheapplicablevariableratethenprevailing.ThevariableinterestratebasiswillbespecifiedintheloanofferletterissuedbyEBS(iftheloanisapproved).

IMPORTANTI/WeunderstandthatintheeventoftherebeingachangeininterestratesbeforeEBShaveissuedourloancheque,EBSwillapplythefixedrateavailableatthetimeofchequeissue.Ifthereisnootherfixedrateavailablethevariableratethenprevailingwillapply.

I/Weacknowledgethatunfortunately,EBScannotinformcustomersindividuallyofchangesofinterestratespriortoissuingtheirloancheque.

I/Weunderstandthatanearlyredemptionchargeispayableinthefollowingcaseswherethefixedrateperiodhasnotexpired:1. Ifacapitalpaymentorfullrepaymentismadetotheloan.2. Iftheloanisconvertedtoavariablerate.3. Iftheloanisconvertedtoanotherfixedrate.

CALCULATIONOFREDEMPTIONCHARGETheredemptionchargeiscalculatedasfollows:Amountmultipliedby(originalcostoffundsminuscostoffundsforfixedrateperiodremaining)multipliedbyremainingtermindaysdividedby365.

DEFINITIONOFTERMSAmount Theamountbeingrepaidearlyortheamountbeingconvertedtoavariable rateoranotherfixedrateterm.Original costs of funds ThecostsoffundsforEBSforthefixedrateperiodatthetimethefixedrate periodcommenced.Cost of funds for the fixed Thecostsoffundsforafixedratewithamaturitydatenearesttheendrate period remaining ofthefixedrateperiod.Thecostoffundsusedwillbeasof5pmthe dayprevioustotherequesttocalculatetheearlyredemptioncharge.Remaining term in days Remainingnumberofdaysleftbeforethefixedrateisduetoexpire.

Thisearlyredemptionchargewillberefundedifthefixedrateistransferredtoanewresidentialhomeloan,subjecttothenewloanapplicationmeetingEBS’slendingrequirementsatthetime.Thenewloanmustbecompletedbeforetheearlyredemptionchargewillberefunded.

Thisdocumentformspartoftheapplicationforamortgage,theconditionsandthedeclarationofwhichalsogovernthisdocument.

I/WeconfirmthatI/weunderstandtheworkingsoftheFixedRatefacilityandwishtoproceedwiththisapplication.

7

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

Warning: You may have to pay charges if you pay off a fixed rate loan early.


8

E.PROPERTYDETAILS

Address

Type Apartment Bungalow Detached

Duplex Flat Semi-det

Terraced

NumberofBedrooms

Isvacantpossessionobtained/beingobtained?Yes No

PrimaryResidence orSecondaryResidence

Freehold orLeasehold

VALUATION

Whocanourvaluercontacttoarrangetoinspecttheproperty?

(NEWHOUSESONLY)

IsthepropertycoveredunderHomebondorPremierGuaranteeScheme? Yes No

Ifno,pleasegivedetailsofthe supervisingarchitect/engineer

PleasegiveusyourBuilderdetails

F.SOLICITORSDETAILS

Please note that your solicitor must carry current professional indemnity cover.

CompanyName Solicitor’sName

Address

Telephone Fax Email

Address

Name Telephone

Address

Name Qualification

Address

Name Qualification

ExpectedCompletionDate//


11

WARNINGS, DECLARATIONS, AUTHORISATIONS AND CONSENTS ThisSectionMUSTbecompleted.Thankyou.

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

Variable Rate LoansWARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

Debt Consolidation LoansWarning: This new loan may take longer to pay off than your previous loans. This means that you may pay more thank if you paid over a shorter term.

Endowment LoansWARNING: THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT.

Earlysurrenderoftheinsurancepolicyinrespectofyourendowmentloanmayresultinareturntoyouwhichwouldbelessthanyouhavepaidinpremiaandothercharges.

1.GENERALI/WeherebyapplytoEBSLimited(‘EBS’)foraloansecuredbyafirstlegalmortgageonthepropertydescribedinthisapplicationform.

I/WEAGREE• ThattheloanwillbesubjecttotheratesandinterestofEBS• Tohavethepropertyadequatelyinsuredforthedurationoftheloan• Thatyoumayobtainrelevantinformationfromexistingorpreviouslendersasrequiredinconsidering thisloanapplication• ThatnoresponsibilityisimpliedoracceptedbyEBSoritsvaluerforeitherthevalueorconditionofthepropertybyreasonof inspectingorreportingonaproperty.I/Weacknowledgethatitisinmy/ourinterest(s)toarrangeforanindependentvaluation andstructuralsurveybeforesigningcontractstobuytheproperty• ThatEBSreservestherighttorestrict,amendorwithdrawanyoffermade• Thatintheeventofmy/ourapplicationbeingdeclinedEBScanprovide(uponmy/ourwrittenrequest)alettergivingthereason fordeclinigyourapplication

I/WEHEREBYDECLARE

• ThatIam/weareover18yearsofage• ThatI/wehavereadALLwarningswhicharesetoutinthisdeclaration• Thatallstatementsmadeandparticularsgiventoyouinconnectionwiththisapplicationarestrictlytrueto thebestofmy/ourknowledgeandbelief• ThatI/wewillinformyouofanychangesinmy/oursituationwhichmightaffectthisapplication• ThatI/wehavereceivedacopyoftheTermsofBusiness

2.CONSENTUNDERTHEDATAPROTECTIONACTS1988&2003I/WeauthoriseEBSandothercompaniesintheEBSGroupandtheircontractorsandagentstoretaininelectronicform,tostoreoncomputerandinmanualformatandtoprocessthepersonaldataprovidedbyme/usinrespectofthisapplicationforthepurposeofopeningandefficientlyadministeringmy/ouraccount(s).

I/WeauthoriseEBStomakesuchenquiriesasitmayconsiderreasonablynecessary(includingbutnotlimitedtocreditchecking,fraudpreventionandanti-moneylaunderingchecks)inconnectionwiththisapplication.

I/WeunderstandthatI/wehavetherighttoaccess,updateandrectifymy/ourpersonaldatabywritingtoEBSLimitedat2BurlingtonRd,Dublin4.

FullparticularsofEBS’registrationasadatacontrolleranddataprocessorundertheDataProtectionActs1988and2003areavailablefromtheofficeoftheDataProtectionCommissionerortheonlineregister–www.dataprotection.ie

WhereEBSengageswiththirdpartiestoprocesspersonaldata, itwillonlydosounderappropriatecontractualarrangementswhichprotectborrowers’data.

3.SECURITISATION

WHATISSECURITISATION?Fromtimetotime,EBSLimitedmaysecuritiseaportionofitsresidentialmortgagebook.SecuritisationisaprocesswherebyEBSgroupstogetheranumberofmortgageloansandraiseslongtermfinancebytransferring,chargingorotherwisedisposingofthebenefitofortransferringthecreditriskattachedtothoseloansandallrelatedcollateral,rightsandsecurity(includinganyinsurancepolicies)toaspecialpurposecompany,whichwasestablishedtoenablethesecuritisation,whichfundsitselfbyissuingsecuritiesorotherwiseborrowingfrominvestors.

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.


WHYDOESEBSWANTTOSECURITISEMORTGAGES?Itispossibletoobtainlongtermfundingthroughtheissueofmortgagebackedsecurities.Theadvantageofthisformoffundingisthatthematurityofthefundingismatchedwiththemortgagematurity.Inreleasingfundstiedupinexistingmortgages,thesecuritisationprocessalsoimprovesEBS’efficiencyinfundingmortgagesandallowsittocontinuetoofferexistingandfuturecustomersbettervalue.

WHOWILLMANAGEMYMORTGAGEANDWILLISTILLBEANEBSCUSTOMER?Ifaloanissecuritised,subjecttoEBSadheringtothetermsandconditionsofthesecuritisationscheme,borrowingcustomersretaintheirmembershiprightsandEBScontinuestoadministertheloans,includingthesettingofinterestratesandthecollectionofarrears,onthesamebasisforallEBSresidentialloans,whethertheyaresecuritisedornot.

WILLTHISAFFECTMEIFIWISHTOBORROWADDITIONALFUNDS?No.Securitisationhasnoimpactoncustomers‘futureborrowingrequirements.

WILLIHAVEANYDIRECTCONTACTWITHTHEINVESTORSINTHEMORTGAGEBACKEDSECURITIES?No. Subject to EBS adhering to the terms and conditions of the securitisation scheme, EBS will continue to manage all of yourrequirements.Therewillbenoneedfortheinvestorstocontactyoudirectly.

I/WeherebyconfirmthatI/wehavereceivedandreadtheparagraphonmortgagesecuritisationandunderstandthatthemortgageandalltheassociatedrightsandinterests(includingtheloanandanyotherdebtsecuredtherebyandtheinterestintherelatedcollateralsecurity,insurancesandassurance)maybefreelytransferablebyEBSonsuchtermsasEBSmaythinkfitaspartofaloantransferormortgagesecuritisationscheme.

I/WeherebyconfirmthatEBSmayatanytimetransfer,changeorotherwisedisposeofordeclareatrustovermy/ourmortgageandallassociatedcollateralrightsandinterests(andallrelatedsecurityorguaranteesincludinganyinsurancepolicies)onsuchtermsasEBSmaythinkfit(the‘Transfer’),withoutanynoticetome/usandI/weherebyconsent(withouttherequirementofafurtherconsentornotice)tosuchTransferwhereuponallEBS’powersanddiscretionsshallbeexercisablebyoronbehalfofthetransfereeorbeneficiariesoftheTransfer(the‘Transferee’).

4.CREDITCHECKSEBSisamemberoftheIrishCreditBureauLimited(‘ICB’). I/Weacknowledgethatanecessarypre-conditiontoacceptanceofmy/ourapplicationisthatasatisfactorycreditcheckbeconductedbyEBSoranyparent,subsidiaryorassociatedcompanyofEBSwiththeICBand/oranyothercreditbureauorcreditreferenceagency(hereaftercalled’CreditAgencies’).I/WeherebyauthoriseEBStoseekandprovidecreditreference(searches)relatingtome/us,torecorddetailsofanytransactionorarrearswhichmayresultfromthisapplicationwiththeCreditAgenciesandtorecord,retainanddisclosetoICBanditsmembersdetailsofsuchsearchesforaperiodofoneyear.I/WeacceptthatsuchdatawillbeadministeredbytheICBinaccordancewithICBrules.I/WeacknowledgethatEBSand/ortheICBarepermittedtodiscloseanymaterialmis-statementoffactcontainedinthisapplicationtotheICB’smembersandrelevantbodies.I/Weconsenttoanysuchapplicationbeingprocessed,recordedandretainedbyEBSandICBinthismanner.InthecaseofaTransfer,I/wealsoauthoriseEBStodisclosemy/ourpersonaldataandanyinformationheldbyEBSinrelationtomy/ourmortgagetotheTransfereeortheirrepresentatives,ortoanypersonproposingtoparticipateinorpromoteorunderwriteormanageaTransferortoeverypersontowhomEBSortheTransfereeiscontractuallyobligedtomakesuchadisclosureandI/wealsoauthorisethefurtherprocessingofallsuchpersonaldataandinformationforthepurposeofadministeringtheloanbyEBS,theTransfereeoranythirdparty.

5.DIRECTMARKETINGIfyouDONOTwishtoreceiveinformationaboutEBSproductsandservicesthroughthePOSTorLANDLINETELEPHONE,pleasetickthisboxIfyouDOWISHtoreceiveinformationaboutEBSproductsandservicesviaMOBILEPHONE,EMAILorTEXT,pleaseticktherelevantboxes:MobilePhone Email Text

6.FEESANDCHARGES

VALUATIONFEEAqualifiedvaluerwillneedtovalueyourpropertypriortoloanapproval.Thisvaluationshouldnotcostyoumorethan€150.Iftheconditionsofyour loanrequireafinal inspectionfollowingthecompletionofthebuild, renovationsorrepairsoftheproperty, thisinspectionwillnotcostyoumorethan€65.

FIXEDRATELOANSPleaseseedetailsofearlyredemptionchargepayableinFixedRateapplicationsection.

OTHERCHARGESThirdpartylegalfeeswillbepayablebyyouinrespectofthefollowing,whereapplicable:RegistryofDeeds/LandRegistrysearches;executionofavacate/release;alterationstotitle;orreleaseofdeedsonaccountabletrustreceipt.

7.CONSENTUNDERCONSUMERCREDITACT1995I/WeconsenttoEBScontactingme/usatmy/ourplaceofemployment.

IstApplicant 2ndApplicant

Date Date

I/WeconsenttoEBScontactingmy/ouremployers(auditorsinthecaseofself-employed)inconnectionwiththeincomefiguressubmitted.


Date Date

8.APPLICANTSIGNATURE/AUTHORISATIONBysigningthebelowI/wegiveandmaketheagreements,declarations,acknowledgementsandauthorisationsinsections1-6(inclusive).


Date Date


13

EBS CERTIFICATE OF INCOME (APPLICANT 1)

Private and Confidential

EBSiscurrentlyprocessingaloanapplicationonbehalfofanemployeeofyourcompany/organisationandthefollowinginformationisrequiredinconnectionwiththeirapplication.Theinformationreceivedwillbetreatedasconfidentialandonlyforusebythesocietyanditssubsidiaries.

Oncompletion,pleasegivethisCertificatetoyouremployeewhoshouldthenincludeitwiththeirLoanapplication.

NameofEmployeeJobDescription

NameofCompany/Organisation

BusinessRegisteredAddress

Placeofemployment

DateEmploymentCommenced

IsEmploymentpermanent/temporary/fixedcontract

IfContract,termofcontract ExpiryDate

IsEmploymentfulltime/parttime

CurrentlyonProbation Yes No

DateProbationEnds Salary/Wage-Basic € PerAnnum

Bonus € PerAnnum

Commission € PerAnnum

OvertimeActual/Estimated € PerAnnum

Allowances:

CarAllowance €

ShiftAllowance €

PaymentFrequency(Weekly/Monthly) IsEmployeeSubjecttoSalaryScale Yes No

IfYESPleaseStateMaximum € Details IsEmploymentPensionable? Yes No

CompanyStamp Signature BLOCKCAPITALS PhoneNumber

Extension

PositionHeld

DateSigned


EBS CERTIFICATE OF INCOME (APPLICANT 2)

Private and Confidential

EBSiscurrentlyprocessingaloanapplicationonbehalfofanemployeeofyourcompany/organisationandthefollowinginformationisrequiredinconnectionwiththeirapplication.Theinformationreceivedwillbetreatedasconfidentialandonlyforusebythesocietyanditssubsidiaries.

Oncompletion,pleasegivethisCertificatetoyouremployeewhoshouldthenincludeitwiththeirLoanapplication.

NameofEmployeeJobDescription

NameofCompany/Organisation

BusinessRegisteredAddress

Placeofemployment

DateEmploymentCommenced

IsEmploymentpermanent/temporary/fixedcontract

IfContract,termofcontract ExpiryDate

IsEmploymentfulltime/parttime

CurrentlyonProbation Yes No

DateProbationEnds Salary/Wage-Basic € PerAnnum

Bonus € PerAnnum

Commission € PerAnnum

OvertimeActual/Estimated € PerAnnum

Allowances:

CarAllowance €

ShiftAllowance €

PaymentFrequency(Weekly/Monthly) IsEmployeeSubjecttoSalaryScale Yes No

IfYESPleaseStateMaximum € Details IsEmploymentPensionable? Yes No

CompanyStamp Signature BLOCKCAPITALS PhoneNumber

Extension

PositionHeld

DateSigned


!

G. CREDIT HISTORY

Have you: App 1 App 2

Been declared bankrupt or insolvent? Yes No Yes No

Had a court order registered against you? Yes No Yes No

Made an agreement with creditors? Yes No Yes No

Had any action pending against you? Yes No Yes No

DIRECT DEBITI/We authorise you until further notice in writing to charge to the account below unspecified amounts at the instance of EBS by Direct Debit.

From: EBS Account OR From: Bank Account Originator Code 992901

Name(s) Name(s)

Account Number Account Number

Into: EBS Loan Account Bank Sort Code

Account Name(s) Bank Name andAddress

Account Number

Date

1st Signature 2nd Signature

MTG018 01.12

Banks may decline instructions for Direct Debit from certain types of account.If your bank account is in your maiden or married name, ensure you sign the mandate accordingly.

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