First Start affordability calculator

Could your customers borrow more with First Start? 


Criteria at your fingertips

Our lookup tool makes your life easier.

Lending criteria

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.


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

We will not normally lend to applicants who currently have unsecured debt which exceeds half their gross annual assessable income, even if it 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. 

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.

Criteria at your fingertips

Our lookup tool makes your life easier.

Lending criteria

Put us to the test

Our online application system makes your life easier.

Online offers
We'll send you an online copy of your applicant's offer
Document upload
Securely upload multiple documents per application
Case messaging
2-way communication straight to your underwriter
Document bundling
Single documentation for compliance evidencing