Post Office Mortgages

Compare Post Office Mortgages

Whether you're a first time buyer, remortgaging, a buy-to-let landlord, or are looking to move house, Post Office mortgages offer a wide range of choice to suit your individual needs. Post Office Money® Mortgages are provided by Bank of Ireland UK. Check out some of the latest Post Office Mortgage deals in the table below or call 0117 332 6063 today for quotes and advice.

Post Office 2 Year Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.38%

Reverts to 4.24%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

1.43%

Reverts to 4.24%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

1.56%

Reverts to 4.24%

2

Years

80%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

1.63%

Reverts to 4.24%

2

Years

85%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Tracker

1.89%

Reverts to 4.24%

2

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Tracker

1.95%

Reverts to 4.24%

2

Years

75%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.69%

Reverts to 4.24%

2

Years

90%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

3.89%

Reverts to 4.24%

2

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above Post Office mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Post Office 3 Year Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.87%

Reverts to 4.24%

3

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.88%

Reverts to 4.24%

3

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.98%

Reverts to 4.24%

3

Years

80%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.01%

Reverts to 4.24%

3

Years

85%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.84%

Reverts to 4.24%

3

Years

90%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

4.15%

Reverts to 4.24%

3

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above Post Office mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Post Office 5 Year Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

2.16%

Reverts to 4.24%

5

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.
Fixed

2.23%

Reverts to 4.24%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.
Fixed

2.33%

Reverts to 4.24%

5

Years

80%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.
Fixed

2.43%

Reverts to 4.24%

5

Years

85%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.
Fixed

3.28%

Reverts to 4.24%

5

Years

90%

NoMore Info >
£750 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

4.28%

Reverts to 4.24%

5

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above Post Office mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Post Office 7 Year Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

2.59%

Reverts to 4.24%

7

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above Post Office mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Post Office Lifetime Tracker Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Lifetime Tracker

4.24%

Lifetime of the mortgage

90%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above Post Office mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Choosing the right Post Office Mortgage Deal

The Post Office offers a wide range of mortgage types, such as:

  • Fixed rate mortgage deals – Post Office Fixed Rate Mortgage deals could be suitable for you if you want your monthly repayments to stay the same for a set period. At the end of your fixed rate period, the rate reverts to the Post Office’s own rate, which is the Bank of England Base Rate currently 0.5%) plus 3.99% for the rest of the term. The Post Office offers fixed rate mortgages and remortgages ranging from 60% to 95% loan to value LTV).
  • Tracker mortgage deals – Post Office mortgage tracker mortgage deals follow the Bank of England Base Rate (currently 0.5%), plus an additional percentage. This additional percentage rate is set by the Post Office for the first two years. After that, the rate will always be the Bank of England Base Rate (currently 0.5%) plus 3.99% for the rest of the term. Because the Bank of England Base Rate fluctuates over time, your mortgage rate and your repayments will also go up and down accordingly – so if you do not mind your payments fluctuating, a tracker mortgage deal could be something to consider. The Post Office currently provides tracker mortgage deals at 60% and 75% LTV.
  • Help to buy mortgage deals for first time buyers – The Post Office is participating in the Government’s Help to Buy scheme, which allows people with a deposit of as little as 5% to buy their own home. The scheme offers mortgage lenders the chance to lend to people with low deposits with the Government acting as a guarantor for the loan. As well as the specific criteria that are in place for the Help to Buy scheme, you will also need to meet the Post Office’s standard mortgage lending criteria.
  • Buy to let mortgage deals – If you want to buy a property to rent out to tenants, the Post Office could help, with a range of fixed rate buy to let mortgage deals ranging from 2 to 5 years in duration at 60% LTV.

Why choose a Post Office Mortgage Deal?

Some of the features and benefits of Post Office mortgage deals include:

  • Portable mortgage options – take your Post Office mortgage with you when you move home
  • Flexible mortgage deals - Make overpayments at any time (conditions apply)
  • No higher lending charge payable - these are paid by the lender
  • Simple arrangement fee system – Post Office mortgage products are either fee-free of have one fee of £999

Compare the various features and benefits of Post Office mortgage offers with other leading mortgage deals on the market with our free, whole of market independent mortgage comparison service and find the best deal for you. Call our mortgage team today on 0117 332 6063.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.32%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.41%

Reverts to 3.75%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.58%

Reverts to 4.54%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.
Fixed

1.74%

Reverts to 3.69%

2

Years

75%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Tracker

1.82%

Reverts to 3.75%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.97%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

1.97%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

2.09%

Reverts to 3.69%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.
Fixed

2.09%

Reverts to 4.70%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.
Fixed

2.18%

Reverts to 3.69%

5

Years

75%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.
Fixed

2.99%

Reverts to 3.69%

10

Years

65%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.
Fixed

2.59%

Reverts to 4.70%

2

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.
Fixed

2.88%

Reverts to 3.75%

2

Years

85%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

3.19%

Reverts to 3.69%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

3.69%

Reverts to 3.69%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

3.69%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker