Ms Paula Duffy:

Reasonable living expenses are capped. The information is provided on the basis of a standard financial statement for mortgage customers and a sworn statement of affairs for other SME or non-personal debt. On that basis, we do additional checks in terms of property searches and the use of the central credit register to validate and substantiate that. All documentation is supported by independent documentation, so in the case of PAYE, we would have pay slips and prevailing tax, while for self-employed, we would have accountant verification.