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First Start affordability calculator

Could your customers borrow more with First Start? 

MORE borrowing power

Increase your customers' borrowing power with First Start.

Find out MORE

Get an instant estimate of what your customer could borrow with a First Start mortgage, based on their income and financial commitments. 

If you want to check your customer's affordability on any other mortgage, you'll need to use our standard affordability calculator.

During the application process we’ll ask for a more detailed breakdown of their income and outgoings, which may change the amount we could lend.

A sponsor is a close relative normally a parent or step parent of any applicant, who is added as a co-borrower. The minimum income required for a sponsor is £30,000.

The minimum income for an applicant is £20,000.

Need help completing the calculator? Read our Affordability calculator help page.

*Required

Mortgage requirements

Mortgage term

Sponsor details

Sponsor information

 

Sponsor finances

Sponsor mortgage

Applicant details

When calculating the amount that we can lend we will only take into account the annual income for the highest earning borrower, in addition to the sponsor.

Applicant information



Applicant finances

Reference number

Please refer to loan size and limits. We will not normally lend to applicants who have unsecured debt which exceeds half their gross annual assessable income, even it it’ll be repaid in whole, or part, before completion. We’ll exclude student debt from our assessments.

This calculator provides an indication only. It is not a legally binding mortgage offer and places Bank of Ireland UK at no obligation to provide your customer with a mortgage. All applications must meet our lending criteria and are subject to assessment. The amount your customer could borrow may be less than displayed following this assessment.

Get an instant estimate of what your customer could borrow with a First Start mortgage, based on their income and financial commitments. 

If you want to check your customer's affordability on any other mortgage, you'll need to use our standard affordability calculator.

During the application process we’ll ask for a more detailed breakdown of their income and outgoings, which may change the amount we could lend.

A sponsor is a close relative normally a parent or step parent of any applicant, who is added as a co-borrower. The minimum income required for a sponsor is £30,000.

The minimum income for an applicant is £20,000.

Need help completing the calculator? Read our Affordability calculator help page.

MORE borrowing power

Increase your customers' borrowing power with First Start.

Find out MORE

Our award winning system

Our online mortgage application system is simple to use and easy to understand.

Register
Document upload
Securely upload multiple documents per application
Case messaging
2-way communication with your underwriter
Case tracking
Follow the progress of your customer's application

Changes to our criteria

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We’ve made some temporary changes to our criteria, so we can continue to lend responsibly. Please see our Covid-19 page for more details.