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Mortgages

Switch your mortgage easily online with Post Office

Post Office Money® Mortgages are provided by Bank of Ireland UK

  • Apply for an Agreement in Principle in as little as 10 minutes
  • Totally paperless digital journey so you can apply at home, whenever suits you
Compare our rates
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Remortgage with us in 3 simple steps

Start your mortgage application

Get a personalised offer with an Agreement in Principle. It won’t affect your credit score

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Guides to help your journey

Learn how to add value to your home
Not only could you enhance your property, you could add to its value
  • Add value
  • Save money
  • Change your life for you and family
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Best Online Mortgage Lender 2019-2020 Award

Why Post Office? Here’s why:

Bank of Ireland are a UK bank who share our vision to put you first. For ten years, they have helped us serve 29 million customers through our branches, by phone and online. Together we:

 

  • Offer our 60,000 mortgage customers affordable solutions
  • Can give you access to loans, mortgages and savings
  • Challenge other UK banks by offering you a genuine, accessible alternative, and one you can trust.
Best Online Mortgage Lender 2019-2020 Award

What to look out for when remortgaging

Fixed rates

The biggest advantage of a fixed rate is that you know exactly what your repayments will be for a pre-agreed length of time, as they will not change no matter what happens to wider interest rates.

Monthly repayment cost

This is a fixed cost each month. Knowing this cost will help you to determine if the mortgage is affordable for you, and to budget for the repayments.

Variable rates

A variable rate mortgage moves up and down in line with wider interest rates, so your rate of interest and therefore your monthly repayments can change.

Agreement in principle

Know how much we’ll be able to lend you in principle without commitment. Just provide a few details about yourself. This will not affect your credit score.

Penalties for late/missed payments

It's worth noting what to expect in the event payments are late or missed so that you can decide if it's something you're willing to accept.

Early repayment options

You might be in the position to repay your mortgage earlier than your agreed term. It’s good to be aware of your options as you might be able to do it without fees.

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Top Remortgaging FAQs

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Get started on your mortgage application with us

Apply online

Complete your Agreement in Principle online

Need some help? Call us

We are available 9am-5pm Monday-Friday Closed on Saturdays and Sundays

Small print

Subject to status and lending criteria. Written mortgage illustrations available upon request. Borrowers must be aged 18 or over.

 

Post Office Money® Mortgages are provided by Bank of Ireland (UK) plc. 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 Limited is registered in England and Wales. Registered Number: 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money® and the Post Office Money® logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website (www.fca.org.uk).