SFS Example 1

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, based on such as shift allowances, overtime, and performance related pay.

Mary and John’s mortgage payments are €1,600 to AIB.   

They have a rental property with another bank which costs them €1,500 per month. They also have credit card payments of €500 per month.

They have filled in their SFS and attached:

  1. One month’s payslip for Mary Smith - one month’s payslip.
  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. Bank statements for the last three months for Mary and John Smith for any bank that is not AIB.
phone-icon

SFS Exmaple 1

SFS Example 2

phone-icon

SFS Example 2 Mr.

phone-icon

SFS Example 2 Mrs.

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

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

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

John and Ann’s AIB mortgage payments are €1,450 per month.

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 that is not AIB.

SFS Example 3

Paul Smith and Linda Smith both aged 41 are married with child who is 22 and n 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 AIB mortgage payments are €730 per month.

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 that is not AIB.
phone-icon

SFS Exmaple 3

jargon buster icon

Worried about payments?

If you have payment difficulty, we are willing to listen and support

Explore more

phone-icon

Our contact & support

Speak to us, or find other support available for you.

Get support

forms and guides icon

Standard Financial Statement

Take action as soon as possible with your mortgage case

Filling out your SFS

phone-icon

Cost of living

Our useful tips support to help you stay on top of everyday spending

Managing your finance