Ready to apply?

Great, you've found the Post Office Money® Mortgage you want. You can apply online or over the phone. Please bear in mind that we do not offer advice on Buy to Let mortgages.

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


Ways to apply...


Apply from the comfort of your own home

Apply online

Know which product you want? Start your Buy to Let Mortgage application online now.

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Speak to one of our experts

Call us

Apply for a Buy to Let mortgage by phone in just 30 minutes. We're here from:

  • 8.30am - 7.30pm, Monday to Friday
  • 9am - 1.30pm, Saturday


0800 707 6206

All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

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Did you know?
If you start your application over the phone, we'll give you an online account to complete your application. You'll be able to securely upload your important documents and track your application all the way through.

Useful information

ways to apply iconYour Approval in Principle (AIP) lasts for 30 days.

ways to apply iconNo need to post your documents to us, you can upload them all securely online.

ways to apply iconIf you're applying online you can save and track your application whenever you like so you can see how it's progressing.

What you'll need during your application

Your income details. Including your salary, regular bonuses and overtime.

Your outgoings. Including any loan details, like credit card debt, overdrafts, and student loans.

Proof of identity. For instance a passport or a driving licence, and right to reside and work if you're a non EU national.

Top Buy to Let mortgage FAQs

What's the difference between an Approval in Principle (AIP) and a Mortgage Offer?

An Approval in Principle (AIP) is also known as an Agreement in Principle, Decision in Principle, Mortgage in Principle or a Mortgage Promise. An AIP is useful if you want to know how much you could borrow. If you provide Post Office Money with a few personal details about you and anyone else who will be named on the mortgage we'll give you a statement of how much we'll be able to lend to you in principle (don't worry, we're not committing to anything at this stage). You'll need to request an AIP before completing a full mortgage application.

Mortgage Offer will set out the terms under which we're prepared to offer you a mortgage. It will be issued once we receive your full application and necessary checks, such as a valuation and confirmation of your details, have been carried out.

Am I eligible for a Post Office Money Mortgage?

There are a few things to consider before you apply for a Buy to Let mortgage. We have some key lending criteria below:

  • You must be at least 21 and your mortgage must usually end before you reach 80
  • You must be a UK resident or have full rights to reside in the UK
  • You must have a clean credit history
  • The term of the mortgage must be a minimum of five years and up to a maximum of 35 years
  • You must be buying or remortgaging a UK property
  • The rental income must be at least 145% of the monthly interest due inclusive of any product fees added to the loan

You can see the full list of lending criteria for our Buy to Let mortgages here.

Can I move my mortgage to another property?

Yes. Our mortgages are fully portable. This means you can transfer the interest rate and early repayment charge conditions on your existing Post Office Money Mortgage balance to your new property.  This is subject to a new offer being made based upon the lender’s current criteria.  If you don’t need to borrow extra amounts your mortgage product can remain the same.

Is it possible to make overpayments on my mortgage?

Yes. If you’re in a promotional period, you can overpay a minimum of £500 and a maximum of 10% of the outstanding mortgage balance (as at 31 March the previous year) without incurring any early repayment or administration charges. Once the promotional period is over, the amount you can overpay is unlimited, but if you pay off your mortgage in full charges may apply.

Small print

Please note our online mortgage application is only compatible with Internet Explorer 9+, Google Chrome 34+, Firefox 28+, Safari 5 and 7 web browsers and is not optimised for mobile phones.

Subject to status and lending criteria. Written illustrations available upon request. Borrowers must be aged 21 or over.

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, FRN 512956. You can check this on the Financial Services Register by visiting the website or by contacting the Financial Conduct Authority (FCA) on 0800 111 6768. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885). Registered Office: Bow Bells House, 1 Bread Street, London, EC4M 9BE. Post Office Limited is registered in England and Wales (No. 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.