Find out more about Post Office Money
Post Office Money mortgages are available to first-time buyers, home movers, remortgagers and buy-to-let borrowers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
About Post Office Money
Post Office Money offers fixed-rate and tracker mortgages that are provided by Bank of Ireland UK.
Post Office Money also offers savings products, insurance policies, personal loans and more.
Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Post Office mortgage options
Post Office Money and Bank of Ireland UK offer fixed rate and tracker mortgages for first-time buyers, remortgagers, home movers, buy-to-let investors and borrowers looking to get a mortgage into retirement.
Post Office mortgages for first-time buyers: Post Office Money offers tracker and fixed rate mortgages for first-time buyers
First Start mortgage: A scheme to help first-time buyers get on the property ladder. It lets a close relative (usually a parent or step-parent, for example) act as your mortgage sponsor and uses both your income and your sponsor's to increase your borrowing power. The sponsor is added to the mortgage as a co-borrower
Family Link mortgage: Enables your parents or close relatives to help you fund your mortgage deposit by using the value in their home
Remortgaging with the Post Office: New and existing Post Office Money customers can switch to a new deal, borrow more on their mortgage and borrow into retirement
Post Office mortgages for home movers: New and existing Post Office Money mortgage customers can find a fixed rate or tracker mortgage for their new home. Existing Post Office Money mortgage customers may be able to move a current mortgage deal to a new property (port the mortgage)
Buy-to-let mortgages with the Post Office: Post Office Money has buy-to-let mortgages available to new borrowers. Buy-to-let mortgages are available for 60%, 70% and 75% loan-to-value mortgages
Post Office retirement mortgages: The Post Office Retirement Link mortgage lets you borrow into retirement – up until aged 90 for a repayment mortgage and aged 80 for an interest-only mortgage
The Post Office’s mortgage specialists can help you decide which mortgage is right for you.
Post Office mortgage in principle
You can apply for a free mortgage agreement in principle (also known as Approval in Principle, or AIP) online on the Post Office's website.
You’ll need to get a mortgage in principle before applying for a mortgage with Post Office Money.
How do you apply for a Post Office mortgage?
You can apply for a Post Office mortgage online or over the phone.
How to contact Post Office mortgages
You can contact Post Office mortgages by:
Phone: Give Post Office mortgages a call on 0800 707 6206. Lines are open 9am-5pm, Monday to Friday
Online message: Log into your online account to get in touch with them via the messaging tool
Compare mortgage deals with MoneySuperMarket
You can use MoneySuperMarket to find and compare mortgage deals by type of mortgage, initial monthly cost (for the mortgage deal), initial interest rate for the deal, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.
Author
Mehdi Punjwani
Insurance specialist
Mehdi is a financial writer and editor with over six years of experience in personal finance. He has written for organisations and publications including Equifax, The AA, and USAToday, covering a...
