Post Office Money Mortgages

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  • Post Office Money®'s logo'

    Post Office Money® 2 Year Fixed

    • Initial Rate
      2.10% Fixed to 30/09/2023
    • APRC
      3.90%
    • Product Fee
      £1,495
    • Monthly Repayment
      £643.11
    Continue on Fluent Mortgages' website + More Info
  • Post Office Money®'s logo'

    Post Office Money® 5 Year Fixed

    • Initial Rate
      2.44% Fixed to 30/09/2026
    • APRC
      3.60%
    • Product Fee
      £1,495
    • Monthly Repayment
      £668.40
    Continue on Fluent Mortgages' website + More Info
  • Post Office Money®'s logo'

    Post Office Money® 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.80% Fixed to 30/09/2023
    • APRC
      4.00%
    • Product Fee
      £1,495
    • Monthly Repayment
      £695.81
    Continue on Fluent Mortgages' website + More Info
  • Post Office Money®'s logo'

    Post Office Money® 5 Year Fixed

    • Cashback Available
    • Initial Rate
      2.96% Fixed to 30/09/2026
    • APRC
      3.80%
    • Product Fee
      £1,495
    • Monthly Repayment
      £708.20
    Continue on Fluent Mortgages' website + More Info
  • Post Office Money®'s logo'

    Post Office Money® Standard Variable Rate

    • Initial Rate
      4.09% Standard Variable Rate
    • APRC
      4.20%
    • Product Fee
      £0
    • Monthly Repayment
      £799.23
    Continue on Fluent Mortgages' website + More Info

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 09 November 2020.

Post Office Money Mortgages FAQ

What is Post Office Money?

Post Office Money is an umbrella brand launched in 2015, which is used for all Post Office financial services. Post Office Money offers services including credit cards, mortgages, loans, insurance and current accounts through its branches across the UK, online and over the phone. Most of the products offered through Post Office Money are provided by Bank of Ireland Group.

Can I get a mortgage with Post Office Money?

Yes, Post Office Money offers mortgages to a wide range of borrowers, including those buying their first homes and people looking to move house. Prospective borrowers buying a property as an investment to rent out (buy-to-let) can also access mortgages through Post Office Money.

What types of mortgages are available through Post Office Money?

The Post Office offers a range of mortgages to suit different borrower requirements.

  • Fixed-rate mortgages: Those looking to agree to predictable monthly repayments for a set period might want to consider the Post Office’s fixed-rate mortgages. These mortgages allow borrowers to fix the interest rates payable on their mortgage for a number of years.
  • Tracker mortgages: This type of mortgage charges interest at a rate that tracks the Bank of England Base Rate. If the Base Rate is very low, the interest rate can be favourable, but it can increase at any time so offers less predictability than a fixed-rate mortgage deal.

I’m a first-time buyer; can I get a mortgage through Post Office Money?

The Post Office offers a range of mortgage deals aimed specifically at first-time buyers. As well as tracker and fixed-rate mortgages, the Post Office also offers products designed to support people who want to help their family members out financially.

I’m retired; can I still get a Post Office mortgage?

Yes, the Post Office offers retirees an option to borrow against the value of their home. This can allow retired people to use the equity they have in their existing home to free up cash for things like travel, home improvements and making large purchases.

Can I switch to a new mortgage once my Post Office mortgage deal has expired?

Yes, existing customers who want to switch to a new deal once their fixed-rate term has run out, for example, are able to do so. There are deals aimed specifically at existing borrowers.

How do I apply for a Post Office mortgage?

You can apply for a Post Office mortgage over the phone or online. However, if you choose to apply online you will need to speak to a Post Office mortgage specialist over the phone at some point as part of the application.

Services offered by this provider may change over time. Always check Ts&Cs.