Post Office Mortgages

Find out more about Post Office Money

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Post Office Money mortgages are available to first-time buyers, home movers, remortgagers and buy-to-let borrowers.

Post Office

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. Post Office Money has also launched two schemes to help first-time buyers get on the property ladder:

  • First Start mortgage: lets a close relative act as your mortgage sponsor and
  • Family Link mortgage: uses the value in your parents’ home to fund your deposit when you have no mortgage deposit.

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 (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: Phone Post Office mortgages on 0800 707 6206 – lines are open Monday to Friday 8.30am - 7.30pm and Saturday 9.00am - 1.30pm.

Twitter: Contact the Post Office via Twitter.

Post Office Limited address: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ

Compare mortgage deals with MoneySuperMarket

You can also 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.

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