First Start Calculator

Could your customers borrow more with First Start?

How much could my customer borrow?

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.

First Start affordability calculator

Mortgage requirements

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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

We will not lend to applicants who currently have unsecured debt which exceeds half their gross annual assessable income even if it will be will be repaid in whole or part before completion. If the case has a lower debt to income ratio, it may still be sent for individual underwriter assessment. We exclude student debt from this calculation.

Your customer’s affordability is below the minimum loan of £
Your customer could borrow up to:
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This calculator provides an indication only. It is not a legally binding mortgage offer and places the Bank of Ireland UK at no obligation to provide your customer with a mortgage.