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Find a buy-to-let mortgage that suits you

Post Office 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 you like
Compare our rates
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Start your Buy to Let journey

Start your mortgage application

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

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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 buying to let

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.

Capital gains tax

If you’re a basic rate tax payer, CGT on buy to let second property’s is charged at 18% and if you’re a higher or additional rate tax payer it’s charged at 28%.

Income tax

The income you receive as rent is liable for income tax and should be declared on your Self Assessment tax return for the tax year it was earned in.

Penalties for late/missed payments

It's worth noting what to expect in the event that payments are late or missed, and if this is something you're prepared 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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Get started on your mortgage application with us

Apply online

Complete your Agreement in Principle application fully online

Need some help? Call us

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

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 mortgage illustrations available upon request. Borrowers must be aged 18 or over.


Post Office 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 and the Post Office logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website (

Post Office Mortgages are provided by Bank of Ireland UK (BOI UK) who is a member of the Council of Mortgage Lenders (CML). BOI UK operates within the provisions of the CML’s Buy to Let statement of practice.

Bank of Ireland does not provide any recommendation or advice in relation to Buy to Let mortgages. The affordability of a Buy to Let loan is primarily based on the expected monthly income generated from letting the property to a tenant. The actual income generated may be different and can be influenced over time by changes within the rental market. You will remain responsible for meeting the costs of your loan and the additional costs associated with letting the property. It is important that you have reviewed the products above in full before progressing with an online application.