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Our full range and rates
Full details of our mortgage rates, repayments and other fees
Fixed rate mortgages from the Post Office®
Borrow up to 90% of the purchase price, with fixed rate repayments for 2, 3 or 5 years. After this, the rate reverts to the Bank of England base interest rate +3.99% for the remainder of the term.
We have a variety of fee types and bundled features to look out for, meaning a great choice for our customers. Look out for these in the rate tables below, and here is a quick guide to help you choose:
- Standard products carry a £995 or £1,495 arrangement fee, payable upon completion or added to the loan. Usually, legal and valuation fees will still apply.
- Fee Assisted products have a lower £495 arrangement fee, a free standard valuation AND for remortgages, free standard legal work via our nominated solicitors. A great remortgage option with low upfront costs. You can upgrade to a full homebuyer survey for an additional fee – call for details.
- Our Fee Assisted with cashback options come with a £495 arrangement fee, a free standard valuation, and £300 cashback instead of free standard legal work - ideal for paying the legal fees for the solicitor of your choice, or spending as you choose.
Higher Lending Charge paid by lender above 75% Loan to Value (LTV) mortgages. No Higher Lending Charge payable up to 75% LTV mortgages. See the Lending Criteria for more information. Cashbacks are paid upon completion, and forwarded to your solicitor along with the mortgage advance.
Full repayment mortgage release fee (currently £0). Lending fee £195 (due on completion but payment can be deferred until mortgage is fully repaid). Borrowers must be 18 or over unless stated. Rates correct as at 29/03/2012. Free legals for remortgages: If your product is described as 'standard legal fees are paid by lender' we will pay the fees for remortgages only via our nominated solicitors. Terms and conditions apply, please see our General Lending Criteria.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Minimum deposit 25% (75% LTV)
| Initial rate |
Which is fixed until |
Then the Bank of England Base Rate + 3.99% (variable) |
The overall cost for comparison is | Arrangement fee and features | |
|---|---|---|---|---|---|
| 2 year fixed | 3.09% | 30/06/2014 | 4.49% | 4.4% APR | £995 arrangement fee |
|
2 year fixed Fee Assisted |
3.39% | 30/06/2014 | 4.49% | 4.4% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
|
2 year fixed Fee Saver with cashback |
3.69% | 30/06/2014 | 4.49% | 4.5% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 3 year fixed | 3.19% | 30/06/2015 | 4.49% | 4.3% APR | £1,495 arrangement fee |
|
3 year fixed Fee Assisted |
3.59% | 30/06/2015 | 4.49% | 4.4% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
|
3 year fixed Fee Saver with cashback |
3.75% | 30/06/2015 | 4.49% | 4.4% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 5 year fixed | 3.59% | 30/06/2017 | 4.49% | 4.3% APR | £1,495 arrangement fee |
|
5 year fixed Fee Assisted |
3.89% | 30/06/2017 | 4.49% | 4.4% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
|
5 year fixed Fee Saver with cashback |
3.99% | 30/06/2017 | 4.49% | 4.4% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
- Early repayment charges for 2 year fixed rate- 3% of the sum repaid until 30/06/2014.
- Early repayment charges for 3 year fixed rate- 3% of the sum repaid until 30/06/2015.
- Early repayment charges for 5 year fixed rate- 5% of the sum repaid until 30/06/2017.
Minimum deposit 20% (80% LTV)
| Initial rate |
Which is fixed until |
Then the Bank of England Base Rate + 3.99% (variable) |
The overall cost for comparison is | Arrangement fee and features | |
|---|---|---|---|---|---|
| 2 year fixed | 3.49% | 30/06/2014 | 4.49% | 4.5% APR | £995 arrangement fee |
|
2 year fixed Fee Assisted |
3.79% | 30/06/2014 | 4.49% | 4.5% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
|
2 year fixed Fee Saver with cashback |
3.99% | 30/06/2014 | 4.49% | 4.5% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 3 year fixed | 3.69% | 30/06/2015 | 4.49% | 4.4% APR | £995 arrangement fee |
|
3 year fixed Fee Assisted |
3.99% | 30/06/2015 | 4.49% | 4.5% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
|
3 year fixed Fee Saver with cashback |
4.19% | 30/06/2015 | 4.49% | 4.5% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 5 year fixed | 3.99% | 30/06/2017 | 4.49% | 4.5% APR | £995 arrangement fee |
|
5 year fixed Fee Assisted |
4.29% | 30/06/2017 | 4.49% | 4.5% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
- Early repayment charges for 2 year fixed rate- 3% of the sum repaid until 30/06/2014.
- Early repayment charges for 3 year fixed rate- 3% of the sum repaid until 30/06/2015.
- Early repayment charges for 5 year fixed rate- 5% of the sum repaid until 30/06/2017.
Minimum deposit 15% (85% LTV)
| Initial rate |
Which is fixed until |
Then the Bank of England Base Rate + 3.99% (variable) |
The overall cost for comparison is | Arrangement fee and features | |
|---|---|---|---|---|---|
| 2 year fixed | 3.79% | 30/06/2014 | 4.49% | 4.5% APR | £995 arrangement fee |
|
2 year fixed Fee Assisted |
4.19% | 30/06/2014 | 4.49% | 4.6% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
|
2 year fixed Fee Saver with cashback |
4.39% | 30/06/2014 | 4.49% | 4.6% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 3 year fixed | 4.19% | 30/06/2015 | 4.49% | 4.6% APR | £995 arrangement fee |
|
3 year fixed Fee Saver with cashback |
4.79% | 30/06/2015 | 4.49% | 4.7% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 5 year fixed | 4.39% | 30/06/2017 | 4.49% | 4.6% APR | £995 arrangement fee |
|
5 year fixed Fee Assisted |
4.59% | 30/06/2017 | 4.49% | 4.7% APR |
- £495 arrangement fee - Free standard valuation - Remortgages also have standard legal fees paid by Lender |
- Early repayment charges for 2 year fixed rate- 3% of the sum repaid until 30/06/2014.
- Early repayment charges for 3 year fixed rate- 3% of the sum repaid until 30/06/2015.
- Early repayment charges for 5 year fixed rate- 5% of the sum repaid until 30/06/2017.
Minimum deposit 10% (90% LTV)
| Initial rate |
Which is fixed until |
Then the Bank of England Base Rate + 3.99% (variable) |
The overall cost for comparison is | Arrangement fee and features | |
|---|---|---|---|---|---|
| 2 year fixed | 4.99% | 30/06/2014 | 4.49% | 4.8% APR | £995 arrangement fee |
|
2 year fixed Fee Saver with cashback |
5.49% | 30/06/2014 | 4.49% | 4.8% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 3 year fixed | 5.29% | 30/06/2015 | 4.49% | 4.9% APR | £995 arrangement fee |
|
3 year fixed Fee Saver with cashback |
5.59% | 30/06/2015 | 4.49% | 5.0% APR |
- £495 arrangement fee - £300 cashback paid to solicitor with advance - Free standard valuation |
| 5 year fixed | 5.49% | 30/06/2017 | 4.49% | 5.1% APR | £995 arrangement fee |
- Early repayment charges for 2 year fixed rate- 3% of the sum repaid until 30/06/2014.
- Early repayment charges for 3 year fixed rate- 3% of the sum repaid until 30/06/2015.
- Early repayment charges for 5 year fixed rate- 5% of the sum repaid until 30/06/2017.
Download printable version of our rates (PDF 123KB)
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