Applying for a mortgage is quite straightforward, the legwork bit is knowing which lender to approach that suits your criteria and requirements. All mortgages are based on your declarable income and lenders will want to see documentation relating to income, tax and social security as well as bank statements and credit report. The amount calculated depends on a percentage of your net income less any debt commitments you may have. Costs involved For purchasing and mortgaging are IRO 13-14%.
So in essence, depending on what half of your income constitutes and what property price range you are looking at plus considering your savings, this will determine your borrowing capacity.