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Often people don’t attach all the documents we ask for. That’s probably the most common problem that can cause delays and misunderstanding.
Some other common problems:
Please fill out all sections of the SFS fully and accurately and provide any documents that we may need to assess your financial circumstances. Any missing documents will slow down the assessment of your SFS. To help you the table below outlines what documents we need for each section of the SFS and where you can get them.
Section | Details Required | Documents needed to complete this section | Where to get these documents | |||
Section A My Details |
Details about your personal circumstances. |
No documents required for this section. |
n/a |
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Section B My Mortgage |
Details about your mortgage the residential property you occupy as your primary residence, or the only residential property in the State that you own. |
No documents required for this section when your mortgage is with EBS. |
n/a |
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Section C My Monthly Income |
Details on all your monthly income. |
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PAYE worker: we require your most recent payslip (four if paid weekly) and previous three months’ bank statements. |
Can be obtained from your employer. |
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Non Basic Income: If your income is made up of any non-basic income (for example, shift allowance or overtime) or is performance related, we need to see confirmation of income for the previous three years. You can get this through:
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Available from your Revenue.ie account. You can get our salary certificate template at any of our branches. |
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Unemployed: we require four most recent social welfare slips and previous three months’ bank statements. | Can be obtained from Dept of Social Welfare or visible on your current account statements. | |||||
Self-employed: we require three month’s current account bank statements, six month’s business account bank statements, you’re most recent Form 11 and your most recent Self- Assessment Certificate or Notice of Assessment. |
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What is a Form 11? - This is a return of income, charges, and capital gains for a given year that you send on to the Revenue. It can be found on the Revenue website. What is a notice of assessment? - This is a summary of your Form 11 sent to you by the Revenue. Proof of any other income. |
Available from your Revenue.ie account. |
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Section D My Monthly household expenditure |
Details of all your monthly expenditure or outgoings. |
Proof of any household expenses that are not clear on your current account statements. Insurance:
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This can be added to the notes section of the SFS. Please indicate if these are paid monthly or one annual payment |
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Section E My Monthly debt payments |
Details about monthly amounts of all your other debt repayments (other than your mortgage repayment on your primary residence). |
Proof of any court payment due. Statement of any loans you have (credit unions, personal loans, credit cards, overdrafts, PCP/hire purchases). Statements should include the amount outstanding, the repayments being made, the time left on each loan, any missed repayments and the reason for the loan. |
You can get these from your provider. You can get your credit report from Central Credit Register. |
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Section F My other properties |
Details of other properties you own which are not your primary residence. |
For other properties you own:
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Statement from account rental income is paid into. From your mortgage provider. |
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Section G My Other Assets |
Details of all other assets you own, either on your own or with someone else, for example savings, cars, and shares. |
Statement of deposit or investment account or confirmation of the balance. |
You can get these from your provider. |
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PPSN: We need your PPSN to check your details in the Central Credit Register. Please make sure one of the documents that you attach to this SFS shows your PPSN. For a list of acceptable documents click here |
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Central Credit Register: To help you to complete your SFS, you can ask for your credit report from the Central Credit Register. It will be particularly helpful for completing section B and section E of the SFS. Your credit report provides information: Types of loans (for example, mortgage, credit card, overdraft, hire purchase, Personal Contract Plan)
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You may use the Reasonable Living Expenses Guidelines published by the Insolvency Service of Ireland as tool to complete specific sections of the SFS document Back on Track |