SFS Examples

Mary and John Smith aged 49 and 53 are married with two children aged 7 and 3.

Mary is a Client Services Manager earning €3,900 gross a month. John is a Warehouse Operator earning €2,800 gross a month. John’s income is made up of non-basic income such as shift allowances, overtime, and performance related pay.

Mary and John’s mortgage repayments are €1,600 to us.   

They have a rental property with another bank with mortgage repayments of €900 per month. They also have credit card repayments of €500 per month.

They have filled in their SFS and attached:

1. One month’s payslip for Mary Smith.
2. One month’s payslip for John Smith. Given John’s income varies, he attaches his Employment Detail Summary for the previous three years.
3. As Mary & John are in receipt of rental income, they also attach their most recent Self-Assessment Certificate or Notice of Assessment.
4. Bank statements for the last three months for Mary and John Smith for any bank.

John Doe and Ann Smith aged 54 and 49 are divorced, with three children aged 16, 14 and 9.

John is an Accountant earning €4,800 gross per month. John also has a small cow farm from which he earns €700 gross per month.

Ann is on illness benefit and receives €2,092 per month, including child benefit of €420.

John and Ann’s mortgage repayments are €1,450 per month to us.

They have filled in two separate SFS’s and attached:

1. One month’s payslip for John Doe and Form 11 for most recent year as he has income from the farm.
2. Most recent social welfare receipt for Ann Smith.
3. Bank statements for the last three months for John Doe and Ann Smith for any bank.
4. Business account Bank Statements for John Doe for his self-employed income from his cow farm from any bank.

Paul Smith and Linda Smith both aged 41 are married with one child who is 20 and in college.

Paul is a self-employed plasterer earning €2,000 gross a month.

Linda is a special needs assistant earning €4,100 gross a month.

Paul and Linda’s mortgage repayments are €730 per month to us.

They have filled out their SFS and attached:

1. Most recent Form 11 for Paul as he is self-employed.
2. Linda’s last two payslips as she is paid fortnightly.
3. Bank statements for the last three months for Paul and Linda for any bank.
   
4. Business bank statements for the last six months for Paul as he is self-employed for any bank.