EBS Mortgage Application
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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
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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
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MTG018001.12
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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
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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.
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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
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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.
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Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.
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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.
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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.
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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//
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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.
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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.
IstApplicant 2ndApplicant
Date Date
8.APPLICANTSIGNATURE/AUTHORISATIONBysigningthebelowI/wegiveandmaketheagreements,declarations,acknowledgementsandauthorisationsinsections1-6(inclusive).
IstApplicant 2ndApplicant
Date Date
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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
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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
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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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PDF- Acceptance