EBS Commercial. A sensible approach to financing Commercial Property

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1 EBS Commercial A sensible approach to financing Commercial Property

2 building relationships At EBS Commercial we believe that our success is dependent on yours, so when you come to us for a loan, your priorities become ours. Whether you re looking to invest in a shop unit or an office block, or provide a premises for your business, at EBS we have a range of options to suit all requirements. Our commercial lending philosophy is based on developing long term relationships with our customers. You can be sure that we will investigate all your needs before recommending the option that best suits. We guarantee a high level of service from experienced professionals.

3 professional Staffed by experienced professionals with a strong background in the property market and a clear understanding of your business needs and the needs of the business community as a whole, EBS Commercial is geared up to offer you quality decisions at the kind of speed required in today s fast-paced business environment. flexible We offer individually tailored, flexible repayment options including an interest only period if appropriate. Basically you can be sure that we ll come up with the best repayment offer to suit you. This flexibility will provide you with the means of responding to changing circumstances throughout the life of the loan. accessible You can get in contact with us through any of our 120 offices and agencies located nationwide so wherever you are, you ll find us ready and waiting to help.

4 all types of loans for all types of property Repayment Loans - where the loan is repaid by regular instalments of interest and capital over the term of the loan, with a choice of fixed or variable rates Pension Loans - which offer considerable tax advantages. This operates on an interest only basis, with the after tax lump sum from the pension being used to pay off the capital element of the loan. Refinancing/Equity Release - if you are unhappy with the terms or interest rate on your existing loan, you can refinance with an EBS commercial loan on more attractive terms. Alternatively you may have equity in your property which can be used to fund the expansion or refurbishment of your business, or to avail of other investment opportunities. Loan applications for all types of property investment, whether for your business or purely for investment purposes are welcome. Retail Office Industrial Hotels/Pubs/Guesthouses Residential Development Commercial Investment Investment Property in the UK Lending terms and conditions apply.

5 our philosophy Our philosophy at EBS Commercial, is to partner our customers to achieve their ambitions for property ownership and prosperity. As a financial partner, you can trust us to.. Seek to see things from your point of view. Develop a long term mutually beneficial relationship, with a fair exchange of value, through the good times and the bad. Offer financial insights, and not just information. Seek to understand your needs and to respond with the right product tailored to suit you. These things are not just aspirations. They are what we believe in, and our success in our business is measured by how well we live by them. To find out more... If you would like to know more about an EBS commercial loan drop into your local EBS office or contact the commercial team on or us on ebscommercial@mail.ebs.ie

6 rates & terms to suit your needs At EBS Commercial we offer: Up to 75% finance or even higher for strong proposals or where additional security is offered A choice of competitive interest rates: - Fixed rates of up to 10 years - Market linked rates - EBS Commercial rates for those who prefer a more stable variable rate Term of up to 20 years with a choice of quarterly or monthly repayments EBS Building 2 Burlington Road, Dublin 4, Ireland Tel: (01) Fax: (01) info@ebs.ie EBS Building Society is licensed by the Central Bank of Ireland. For full terms and conditions please contact your local EBS office. COM 207