Search Branch finder Help & support Log in Menu Moving home Find a mortgage online that’s right for you 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 Get prepared to find your next home Moving checklist Read up on what to prepare before moving to your next home Read our guide How much can I borrow? Use our calculator to see how much you could borrow and what your monthly repayments could be Go to calculator Start your mortgage application Get a personalised offer with an Agreement in Principle. It won’t affect your credit score Start application Got a question? Check out our FAQs Guides to help your journey Ten questions to ask an estate agent Find out the right questions to ask when viewing a house Read article A guide to building surveys Here's our guide on the different building surveys available before purchasing a home Read article 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. 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. Top Moving Home FAQs What's an Approval in Principle (AIP)? How much could I borrow and what deposit do I need? How do I know if I'm eligible for a Post Office mortgage? Is it possible to make overpayments on my mortgage? How can I apply for a mortgage with Post Office? Where can I go for advice? Useful information Everything you need to know about moving home Buyers Guide Getting started Money Matters Moving Home Checklist Is your lifestyle mortgage ready? 10 questions for estate agents Helpful Information Legal fees explained General information Tariff of mortgage charges Lending criteria Not right for you? Remortgaging First time buyer Buy to let Contact us or apply Apply online Complete your Agreement in Principle online Apply online Need some help? Call us 0800 707 6206 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). Products & services Useful information Corporate website Follow us on Facebook Twitter YouTube Post Office proudly supports Copyright 2021 The Post Office Our Cookies Our website uses small bits of data (known as cookies) to make the website work, remember who you are, personalise content and provide a safer experience on our site. Some of these cookies are essential for the website to function while others can be switched on or off. By clicking “Accept all” you agree to the uses explained in our Cookies Notice. To set your cookie preferences, click “Let me choose”. Let me choose Accept all